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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 | $26,185 | $63,861-59.0% | $104,625-75.0% | $79,852-67.2% |
| Participation rate | 64.3% | 64.9%-0.6pp | 74.1%-9.8pp | 69.6%-5.4pp |
| Annual return | 13.32% | 21.30%-8.0pp | 340.60%-327.3pp | 31.72%-18.4pp |
| Employer contribution / active EE | $1,334 | $1,588-16.0% | $2,681-50.2% | $2,471-46.0% |
| Participant deferral / active EE | $1,949 | $2,693-27.6% | $3,738-47.8% | $3,740-47.9% |
| Admin fee / account holder | $4,469 | $4,185+6.8% | $6,465-30.9% | $5,306-15.8% |