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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 | $26,423 | $65,027-59.4% | $90,970-71.0% | $79,852-66.9% |
| Participation rate | 65.6% | 61.6%+4.0pp | 69.0%-3.4pp | 69.6%-4.0pp |
| Annual return | 15.50% | 30.45%-14.9pp | 134.58%-119.1pp | 31.72%-16.2pp |
| Employer contribution / active EE | $1,017 | $1,247-18.5% | $2,122-52.1% | $2,471-58.8% |
| Participant deferral / active EE | $2,304 | $2,512-8.3% | $3,373-31.7% | $3,740-38.4% |
| Admin fee / account holder | $1,873 | $4,535-58.7% | $5,960-68.6% | $5,306-64.7% |