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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 | $15,409 | $25,014-38.4% | $69,623-77.9% | $80,935-81.0% |
| Participation rate | 49.1% | 64.2%-15.1pp | 66.4%-17.3pp | 67.7%-18.6pp |
| Annual return | 17.96% | 19.08%-1.1pp | 101.23%-83.3pp | 35.66%-17.7pp |
| Employer contribution / active EE | $1,039 | $991+4.8% | $1,709-39.2% | $2,757-62.3% |
| Participant deferral / active EE | $1,818 | $1,840-1.2% | $2,890-37.1% | $4,299-57.7% |
| Admin fee / account holder | $1,415 | $2,491-43.2% | $4,696-69.9% | $6,924-79.6% |