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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 | $18,108 | $47,944-62.2% | $67,834-73.3% | $62,881-71.2% |
| Participation rate | 63.2% | 61.1%+2.1pp | 68.8%-5.6pp | 69.3%-6.1pp |
| Annual return | 6.45% | 11.77%-5.3pp | 138.47%-132.0pp | 20.14%-13.7pp |
| Employer contribution / active EE | $551 | $1,562-64.7% | $2,403-77.1% | $2,281-75.8% |
| Participant deferral / active EE | $2,226 | $2,247-0.9% | $3,160-29.5% | $3,203-30.5% |
| Admin fee / account holder | $829 | $3,712-77.7% | $4,622-82.1% | $4,296-80.7% |