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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 | $29,127 | $58,851-50.5% | $115,170-74.7% | $72,975-60.1% |
| Participation rate | 68.6% | 65.5%+3.0pp | 75.9%-7.3pp | 69.5%-0.9pp |
| Annual return | 16.96% | 23.16%-6.2pp | 35.60%-18.6pp | 81.01%-64.1pp |
| Employer contribution / active EE | $1,229 | $1,798-31.6% | $3,179-61.3% | $2,440-49.6% |
| Participant deferral / active EE | $3,015 | $2,643+14.1% | $4,169-27.7% | $3,608-16.4% |
| Admin fee / account holder | $1,220 | $6,370-80.8% | $7,089-82.8% | $5,124-76.2% |