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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 | $26,475 | $81,457-67.5% | $103,378-74.4% | $80,911-67.3% |
| Participation rate | 52.0% | 66.8%-14.8pp | 74.5%-22.5pp | 67.6%-15.6pp |
| Annual return | 18.04% | 25.58%-7.5pp | 24.91%-6.9pp | 35.63%-17.6pp |
| Employer contribution / active EE | $1,392 | $3,107-55.2% | $3,870-64.0% | $2,756-49.5% |
| Participant deferral / active EE | $3,507 | $3,871-9.4% | $5,058-30.7% | $4,297-18.4% |
| Admin fee / account holder | $1,202 | $6,717-82.1% | $8,401-85.7% | $6,935-82.7% |