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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 | $14,554 | $52,279-72.2% | $89,400-83.7% | $79,858-81.8% |
| Participation rate | 62.0% | 57.5%+4.5pp | 68.0%-6.0pp | 69.6%-7.6pp |
| Annual return | 19.08% | 22.16%-3.1pp | 245.64%-226.6pp | 31.72%-12.6pp |
| Employer contribution / active EE | $827 | $1,572-47.3% | $2,586-68.0% | $2,471-66.5% |
| Participant deferral / active EE | $1,826 | $2,740-33.4% | $3,890-53.1% | $3,740-51.2% |
| Admin fee / account holder | $577 | $3,356-82.8% | $4,882-88.2% | $5,306-89.1% |