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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 | $23,445 | $58,493-59.9% | $84,021-72.1% | $72,975-67.9% |
| Participation rate | 65.5% | 61.2%+4.2pp | 69.0%-3.6pp | 69.5%-4.0pp |
| Annual return | 20.50% | 28.93%-8.4pp | 71.32%-50.8pp | 81.01%-60.5pp |
| Employer contribution / active EE | $745 | $1,163-35.9% | $1,984-62.4% | $2,440-69.5% |
| Participant deferral / active EE | $1,883 | $2,394-21.3% | $3,239-41.9% | $3,608-47.8% |
| Admin fee / account holder | $2,303 | $4,569-49.6% | $6,102-62.3% | $5,124-55.0% |