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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 | $23,146 | $49,024-52.8% | $112,860-79.5% | $87,485-73.5% |
| Participation rate | 48.1% | 62.2%-14.0pp | 66.3%-18.2pp | 68.9%-20.8pp |
| Annual return | 25.98% | 43.86%-17.9pp | 35.26%-9.3pp | 26.06%-0.1pp |
| Employer contribution / active EE | $1,107 | $1,290-14.2% | $2,206-49.8% | $2,596-57.3% |
| Participant deferral / active EE | $2,048 | $2,209-7.3% | $3,493-41.4% | $4,274-52.1% |
| Admin fee / account holder | $1,352 | $6,266-78.4% | $6,841-80.2% | $7,775-82.6% |