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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 | $28,257 | $49,138-42.5% | $84,021-66.4% | $65,185-56.7% |
| Participation rate | 69.2% | 60.7%+8.5pp | 69.0%+0.2pp | 70.2%-1.0pp |
| Annual return | 18.66% | 23.00%-4.3pp | 71.32%-52.7pp | 29.38%-10.7pp |
| Employer contribution / active EE | $1,401 | $914+53.3% | $1,984-29.4% | $2,177-35.7% |
| Participant deferral / active EE | $1,307 | $2,397-45.5% | $3,239-59.6% | $3,514-62.8% |
| Admin fee / account holder | $355 | $543-34.7% | $6,102-94.2% | $847-58.1% |