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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 | $32,446 | $81,504-60.2% | $102,437-68.3% | $80,959-59.9% |
| Participation rate | 62.5% | 66.9%-4.4pp | 74.5%-12.0pp | 67.7%-5.2pp |
| Annual return | 15.67% | 25.60%-9.9pp | 24.95%-9.3pp | 35.67%-20.0pp |
| Employer contribution / active EE | $1,357 | $3,104-56.3% | $3,871-64.9% | $2,757-50.8% |
| Participant deferral / active EE | $2,342 | $3,871-39.5% | $5,060-53.7% | $4,300-45.5% |
| Admin fee / account holder | $458 | $6,719-93.2% | $8,388-94.5% | $6,925-93.4% |