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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 | $19,701 | $52,279-62.3% | $89,414-78.0% | $79,852-75.3% |
| Participation rate | 59.5% | 57.5%+1.9pp | 68.0%-8.5pp | 69.6%-10.2pp |
| Annual return | 25.68% | 22.16%+3.5pp | 245.50%-219.8pp | 31.72%-6.0pp |
| Employer contribution / active EE | $1,146 | $1,572-27.1% | $2,586-55.7% | $2,471-53.6% |
| Participant deferral / active EE | $3,471 | $2,740+26.7% | $3,890-10.8% | $3,740-7.2% |
| Admin fee / account holder | $421 | $3,356-87.5% | $4,883-91.4% | $5,306-92.1% |