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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 | $30,998 | $86,949-64.3% | $102,460-69.7% | $80,959-61.7% |
| Participation rate | 60.0% | 72.4%-12.4pp | 76.5%-16.5pp | 67.7%-7.7pp |
| Annual return | 12.57% | 18.89%-6.3pp | 29.47%-16.9pp | 35.67%-23.1pp |
| Employer contribution / active EE | $1,338 | $2,370-43.5% | $3,025-55.8% | $2,757-51.5% |
| Participant deferral / active EE | $3,696 | $4,121-10.3% | $5,056-26.9% | $4,300-14.1% |
| Admin fee / account holder | $462 | $8,048-94.3% | $9,460-95.1% | $6,925-93.3% |