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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 | $16,945 | $57,590-70.6% | $86,233-80.3% | $82,448-79.4% |
| Participation rate | 62.1% | 57.9%+4.2pp | 69.0%-6.9pp | 68.1%-6.0pp |
| Annual return | 17.76% | 22.41%-4.7pp | 61.39%-43.6pp | 41.64%-23.9pp |
| Employer contribution / active EE | $1,651 | $1,655-0.2% | $2,504-34.1% | $2,551-35.3% |
| Participant deferral / active EE | $2,780 | $3,080-9.7% | $4,559-39.0% | $4,139-32.8% |
| Admin fee / account holder | $2,080 | $4,730-56.0% | $8,342-75.1% | $7,234-71.3% |