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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 | $15,706 | $32,037-51.0% | $69,182-77.3% | $62,881-75.0% |
| Participation rate | 64.3% | 43.4%+20.9pp | 55.1%+9.2pp | 69.3%-5.0pp |
| Annual return | 9.83% | 15.16%-5.3pp | -21.93%+31.8pp | 20.14%-10.3pp |
| Employer contribution / active EE | $459 | $679-32.5% | $1,206-62.0% | $2,281-79.9% |
| Participant deferral / active EE | $1,376 | $1,185+16.1% | $1,897-27.5% | $3,203-57.0% |
| Admin fee / account holder | $1,170 | $2,608-55.1% | $2,697-56.6% | $4,296-72.8% |