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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 | $27,495 | $73,787-62.7% | $98,716-72.1% | $82,448-66.7% |
| Participation rate | 62.9% | 61.4%+1.4pp | 69.3%-6.4pp | 68.1%-5.2pp |
| Annual return | 16.51% | 18.57%-2.1pp | 31.81%-15.3pp | 41.64%-25.1pp |
| Employer contribution / active EE | $973 | $1,511-35.6% | $2,279-57.3% | $2,551-61.9% |
| Participant deferral / active EE | $2,396 | $3,081-22.3% | $4,048-40.8% | $4,139-42.1% |
| Admin fee / account holder | $428 | $6,500-93.4% | $8,703-95.1% | $7,234-94.1% |