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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 | $24,573 | $78,027-68.5% | $178,528-86.2% | $80,925-69.6% |
| Participation rate | 59.3% | 65.7%-6.4pp | 77.1%-17.8pp | 67.7%-8.4pp |
| Annual return | 12.39% | 18.09%-5.7pp | 27.11%-14.7pp | 35.65%-23.3pp |
| Employer contribution / active EE | $1,878 | $2,281-17.7% | $3,950-52.5% | $2,756-31.9% |
| Participant deferral / active EE | $3,742 | $4,408-15.1% | $6,278-40.4% | $4,299-12.9% |
| Admin fee / account holder | $850 | $7,168-88.1% | $10,419-91.8% | $6,940-87.8% |