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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 | $15,558 | $60,442-74.3% | $96,754-83.9% | $87,485-82.2% |
| Participation rate | 60.0% | 58.7%+1.3pp | 70.3%-10.3pp | 68.9%-8.9pp |
| Annual return | 24.26% | 21.97%+2.3pp | 82.04%-57.8pp | 26.06%-1.8pp |
| Employer contribution / active EE | $1,379 | $1,691-18.4% | $2,679-48.5% | $2,596-46.9% |
| Participant deferral / active EE | $2,656 | $3,280-19.0% | $4,758-44.2% | $4,274-37.9% |
| Admin fee / account holder | $635 | $5,069-87.5% | $8,905-92.9% | $7,775-91.8% |