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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 | $21,437 | $52,306-59.0% | $69,779-69.3% | $62,881-65.9% |
| Participation rate | 68.7% | 67.2%+1.4pp | 71.8%-3.2pp | 69.3%-0.6pp |
| Annual return | 6.94% | 13.35%-6.4pp | 12.99%-6.1pp | 20.14%-13.2pp |
| Employer contribution / active EE | $663 | $1,799-63.1% | $2,338-71.6% | $2,281-70.9% |
| Participant deferral / active EE | $1,595 | $2,395-33.4% | $2,931-45.6% | $3,203-50.2% |
| Admin fee / account holder | $805 | $3,691-78.2% | $4,381-81.6% | $4,296-81.3% |