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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 | $30,824 | $77,896-60.4% | $134,172-77.0% | $82,448-62.6% |
| Participation rate | 64.0% | 62.8%+1.2pp | 72.5%-8.5pp | 68.1%-4.1pp |
| Annual return | 14.65% | 18.21%-3.6pp | 25.30%-10.7pp | 41.64%-27.0pp |
| Employer contribution / active EE | $601 | $2,159-72.2% | $3,420-82.4% | $2,551-76.5% |
| Participant deferral / active EE | $2,308 | $3,162-27.0% | $4,690-50.8% | $4,139-44.2% |
| Admin fee / account holder | $991 | $6,336-84.4% | $12,016-91.8% | $7,234-86.3% |