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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 | $24,126 | $49,025-50.8% | $87,502-72.4% | $62,881-61.6% |
| Participation rate | 66.7% | 64.9%+1.8pp | 73.8%-7.2pp | 69.3%-2.6pp |
| Annual return | 5.64% | 10.02%-4.4pp | 12.21%-6.6pp | 20.14%-14.5pp |
| Employer contribution / active EE | $1,068 | $1,372-22.2% | $2,550-58.1% | $2,281-53.2% |
| Participant deferral / active EE | $1,248 | $2,289-45.5% | $3,149-60.4% | $3,203-61.0% |
| Admin fee / account holder | $3,445 | $4,065-15.3% | $4,221-18.4% | $4,296-19.8% |