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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 | $28,438 | $54,541-47.9% | $78,778-63.9% | $70,126-59.4% |
| Participation rate | 61.5% | 60.8%+0.7pp | 69.2%-7.7pp | 69.5%-8.0pp |
| Annual return | 18.28% | 21.07%-2.8pp | 35.62%-17.3pp | 73.15%-54.9pp |
| Employer contribution / active EE | $700 | $1,089-35.7% | $1,986-64.8% | $2,343-70.1% |
| Participant deferral / active EE | $2,022 | $2,210-8.5% | $2,958-31.6% | $3,332-39.3% |
| Admin fee / account holder | $2,238 | $3,709-39.6% | $5,134-56.4% | $4,645-51.8% |