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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 | $23,651 | $56,894-58.4% | $84,753-72.1% | $62,881-62.4% |
| Participation rate | 68.0% | 68.5%-0.5pp | 76.6%-8.6pp | 69.3%-1.3pp |
| Annual return | 6.91% | 6.30%+0.6pp | 22.78%-15.9pp | 20.14%-13.2pp |
| Employer contribution / active EE | $1,644 | $2,400-31.5% | $3,574-54.0% | $2,281-27.9% |
| Participant deferral / active EE | $2,943 | $2,709+8.6% | $3,712-20.7% | $3,203-8.1% |
| Admin fee / account holder | $1,165 | $3,581-67.5% | $5,333-78.2% | $4,296-72.9% |