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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 | $23,689 | $35,183-32.7% | $73,550-67.8% | $70,126-66.2% |
| Participation rate | 53.3% | 42.9%+10.4pp | 54.9%-1.6pp | 69.5%-16.2pp |
| Annual return | 15.38% | 26.90%-11.5pp | -15.16%+30.5pp | 73.15%-57.8pp |
| Employer contribution / active EE | $334 | $709-52.8% | $1,219-72.6% | $2,343-85.7% |
| Participant deferral / active EE | $2,040 | $1,220+67.2% | $1,804+13.1% | $3,332-38.8% |
| Admin fee / account holder | $1,672 | $2,302-27.4% | $2,320-27.9% | $4,645-64.0% |