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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 | $20,683 | $57,073-63.8% | $85,126-75.7% | $80,925-74.4% |
| Participation rate | 63.2% | 56.4%+6.8pp | 67.5%-4.4pp | 67.7%-4.5pp |
| Annual return | 11.46% | 21.69%-10.2pp | 66.63%-55.2pp | 35.65%-24.2pp |
| Employer contribution / active EE | $2,843 | $1,801+57.9% | $2,731+4.1% | $2,756+3.2% |
| Participant deferral / active EE | $4,230 | $3,113+35.9% | $4,523-6.5% | $4,299-1.6% |
| Admin fee / account holder | $2,672 | $4,988-46.4% | $6,160-56.6% | $6,940-61.5% |