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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 | $24,212 | $71,208-66.0% | $93,681-74.2% | $80,911-70.1% |
| Participation rate | 61.9% | 60.4%+1.5pp | 68.7%-6.8pp | 67.6%-5.7pp |
| Annual return | 14.70% | 11.27%+3.4pp | 133.47%-118.8pp | 35.63%-20.9pp |
| Employer contribution / active EE | $1,025 | $1,564-34.5% | $2,422-57.7% | $2,756-62.8% |
| Participant deferral / active EE | $2,719 | $4,035-32.6% | $4,415-38.4% | $4,297-36.7% |
| Admin fee / account holder | $1,387 | $6,951-80.0% | $8,290-83.3% | $6,935-80.0% |