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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 | $31,636 | $72,027-56.1% | $185,861-83.0% | $79,856-60.4% |
| Participation rate | 58.9% | 65.8%-6.9pp | 78.0%-19.2pp | 69.6%-10.8pp |
| Annual return | 18.74% | 23.13%-4.4pp | 35.96%-17.2pp | 31.71%-13.0pp |
| Employer contribution / active EE | $1,256 | $1,965-36.1% | $4,088-69.3% | $2,471-49.2% |
| Participant deferral / active EE | $2,478 | $3,780-34.4% | $5,634-56.0% | $3,741-33.8% |
| Admin fee / account holder | $956 | $4,513-78.8% | $9,503-89.9% | $5,306-82.0% |