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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 | $16,407 | $49,791-67.0% | $78,210-79.0% | $70,126-76.6% |
| Participation rate | 55.1% | 62.3%-7.2pp | 68.7%-13.7pp | 69.5%-14.5pp |
| Annual return | 17.79% | 20.75%-3.0pp | 40.90%-23.1pp | 73.15%-55.4pp |
| Employer contribution / active EE | $797 | $1,430-44.3% | $2,034-60.8% | $2,343-66.0% |
| Participant deferral / active EE | $2,115 | $2,150-1.7% | $2,823-25.1% | $3,332-36.5% |
| Admin fee / account holder | $3,983 | $3,181+25.2% | $3,758+6.0% | $4,645-14.3% |