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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 | $25,382 | $63,082-59.8% | $81,726-68.9% | $79,856-68.2% |
| Participation rate | 64.1% | 67.5%-3.4pp | 72.0%-7.9pp | 69.6%-5.5pp |
| Annual return | 18.76% | 22.66%-3.9pp | 29.49%-10.7pp | 31.71%-13.0pp |
| Employer contribution / active EE | $2,407 | $1,795+34.1% | $4,311-44.2% | $2,471-2.6% |
| Participant deferral / active EE | $3,659 | $2,780+31.6% | $7,108-48.5% | $3,741-2.2% |
| Admin fee / account holder | $960 | $4,428-78.3% | $5,160-81.4% | $5,306-81.9% |