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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 | $23,991 | $47,848-49.9% | $81,473-70.6% | $70,126-65.8% |
| Participation rate | 50.7% | 58.3%-7.6pp | 68.0%-17.3pp | 69.5%-18.8pp |
| Annual return | 18.79% | 27.25%-8.5pp | 38.78%-20.0pp | 73.15%-54.4pp |
| Employer contribution / active EE | $1,600 | $1,527+4.8% | $2,568-37.7% | $2,343-31.7% |
| Participant deferral / active EE | $2,963 | $2,453+20.8% | $3,537-16.2% | $3,332-11.1% |
| Admin fee / account holder | $1,411 | $3,145-55.1% | $4,561-69.1% | $4,645-69.6% |