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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 | $16,739 | $37,446-55.3% | $77,513-78.4% | $79,852-79.0% |
| Participation rate | 42.4% | 41.5%+0.9pp | 54.2%-11.8pp | 69.6%-27.2pp |
| Annual return | 13.65% | 39.76%-26.1pp | 54.81%-41.2pp | 31.72%-18.1pp |
| Employer contribution / active EE | $562 | $637-11.8% | $987-43.0% | $2,471-77.3% |
| Participant deferral / active EE | $1,184 | $1,261-6.1% | $1,861-36.4% | $3,740-68.4% |
| Admin fee / account holder | $3,939 | $2,506+57.2% | $2,859+37.8% | $5,306-25.8% |