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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 | $76,834-64.2% | $108,359-74.6% | $87,485-68.6% |
| Participation rate | 62.9% | 61.7%+1.1pp | 70.1%-7.3pp | 68.9%-6.1pp |
| Annual return | 16.51% | 19.09%-2.6pp | 36.89%-20.4pp | 26.06%-9.6pp |
| Employer contribution / active EE | $973 | $1,556-37.5% | $2,399-59.4% | $2,596-62.5% |
| Participant deferral / active EE | $2,396 | $3,100-22.7% | $4,137-42.1% | $4,274-43.9% |
| Admin fee / account holder | $428 | $6,537-93.4% | $9,741-95.6% | $7,775-94.5% |