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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 | $21,614 | $57,057-62.1% | $85,009-74.6% | $80,874-73.3% |
| Participation rate | 65.1% | 56.4%+8.8pp | 67.5%-2.4pp | 67.6%-2.5pp |
| Annual return | 39.56% | 21.66%+17.9pp | 66.47%-26.9pp | 35.62%+3.9pp |
| Employer contribution / active EE | $1,525 | $1,799-15.2% | $2,728-44.1% | $2,756-44.7% |
| Participant deferral / active EE | $2,794 | $3,112-10.2% | $4,522-38.2% | $4,297-35.0% |
| Admin fee / account holder | $347 | $4,986-93.0% | $6,153-94.4% | $6,935-95.0% |