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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 | $24,472 | $58,848-58.4% | $88,179-72.2% | $82,637-70.4% |
| Participation rate | 53.8% | 57.9%-4.1pp | 69.1%-15.3pp | 68.1%-14.2pp |
| Annual return | 25.69% | 22.76%+2.9pp | 64.97%-39.3pp | 53.51%-27.8pp |
| Employer contribution / active EE | $1,720 | $1,678+2.5% | $2,549-32.5% | $2,552-32.6% |
| Participant deferral / active EE | $2,894 | $3,124-7.4% | $4,614-37.3% | $4,126-29.9% |
| Admin fee / account holder | $5,387 | $4,795+12.3% | $7,673-29.8% | $7,339-26.6% |