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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $34,180 | $65,027-47.4% | $90,970-62.4% | $79,852-57.2% |
| Participation rate | 58.1% | 61.6%-3.5pp | 69.0%-11.0pp | 69.6%-11.6pp |
| Annual return | 23.78% | 30.45%-6.7pp | 134.58%-110.8pp | 31.72%-7.9pp |
| Employer contribution / active EE | $1,153 | $1,247-7.6% | $2,122-45.7% | $2,471-53.3% |
| Participant deferral / active EE | $2,849 | $2,512+13.4% | $3,373-15.5% | $3,740-23.8% |
| Admin fee / account holder | $468 | $4,535-89.7% | $5,960-92.1% | $5,306-91.2% |