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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 | $22,315 | $46,732-52.2% | $156,551-85.7% | $55,167-59.6% |
| Participation rate | 69.6% | 65.8%+3.8pp | 84.0%-14.4pp | 69.0%+0.6pp |
| Annual return | 5.86% | 17.72%-11.9pp | 32.23%-26.4pp | 169.23%-163.4pp |
| Employer contribution / active EE | $924 | $2,105-56.1% | $5,501-83.2% | $1,963-52.9% |
| Participant deferral / active EE | $2,040 | $2,204-7.5% | $4,871-58.1% | $3,054-33.2% |
| Admin fee / account holder | $2,113 | $418+405.1% | $13,028-83.8% | $504+319.4% |