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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 | $19,618 | $56,894-65.5% | $84,753-76.9% | $62,881-68.8% |
| Participation rate | 51.3% | 68.5%-17.3pp | 76.6%-25.3pp | 69.3%-18.0pp |
| Annual return | 7.51% | 6.30%+1.2pp | 22.78%-15.3pp | 20.14%-12.6pp |
| Employer contribution / active EE | $1,739 | $2,400-27.5% | $3,574-51.3% | $2,281-23.7% |
| Participant deferral / active EE | $2,586 | $2,709-4.5% | $3,712-30.3% | $3,203-19.3% |
| Admin fee / account holder | $3,138 | $3,581-12.4% | $5,333-41.2% | $4,296-26.9% |