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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 | $16,579 | $45,087-63.2% | $69,483-76.1% | $72,976-77.3% |
| Participation rate | 38.5% | 68.5%-30.0pp | 74.6%-36.1pp | 69.5%-31.0pp |
| Annual return | 22.34% | 22.67%-0.3pp | 28.99%-6.6pp | 81.02%-58.7pp |
| Employer contribution / active EE | $879 | $2,055-57.2% | $2,780-68.4% | $2,440-64.0% |
| Participant deferral / active EE | $2,495 | $2,603-4.1% | $3,537-29.4% | $3,608-30.8% |
| Admin fee / account holder | $516 | $3,057-83.1% | $3,841-86.6% | $5,124-89.9% |