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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 | $22,442 | $76,551-70.7% | $123,894-81.9% | $62,881-64.3% |
| Participation rate | 46.2% | 73.0%-26.8pp | 81.4%-35.3pp | 69.3%-23.2pp |
| Annual return | 10.39% | 18.68%-8.3pp | 47.52%-37.1pp | 20.14%-9.8pp |
| Employer contribution / active EE | $1,314 | $2,882-54.4% | $4,617-71.5% | $2,281-42.4% |
| Participant deferral / active EE | $7,027 | $4,840+45.2% | $5,984+17.4% | $3,203+119.4% |
| Admin fee / account holder | $3,792 | $4,826-21.4% | $8,357-54.6% | $4,296-11.7% |