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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 | $21,933 | $67,894-67.7% | $89,340-75.5% | $82,448-73.4% |
| Participation rate | 59.7% | 64.0%-4.3pp | 69.6%-9.9pp | 68.1%-8.4pp |
| Annual return | 21.06% | 19.21%+1.9pp | 20.57%+0.5pp | 41.64%-20.6pp |
| Employer contribution / active EE | $1,357 | $1,828-25.8% | $2,231-39.2% | $2,551-46.8% |
| Participant deferral / active EE | $2,825 | $3,072-8.1% | $3,823-26.1% | $4,139-31.8% |
| Admin fee / account holder | $4,111 | $5,723-28.2% | $6,704-38.7% | $7,234-43.2% |