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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 | $21,520 | $37,156-42.1% | $83,854-74.3% | $86,983-75.3% |
| Participation rate | 63.5% | 49.1%+14.4pp | 59.1%+4.4pp | 69.5%-6.0pp |
| Annual return | 19.68% | 29.88%-10.2pp | 31.39%-11.7pp | 25.83%-6.2pp |
| Employer contribution / active EE | $1,078 | $661+63.1% | $1,017+5.9% | $2,584-58.3% |
| Participant deferral / active EE | $2,589 | $1,418+82.6% | $2,035+27.2% | $4,194-38.3% |
| Admin fee / account holder | $1,151 | $2,510-54.1% | $3,197-64.0% | $7,856-85.3% |