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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 | $23,321 | $72,273-67.7% | $101,275-77.0% | $79,856-70.8% |
| Participation rate | 62.1% | 68.5%-6.4pp | 75.8%-13.7pp | 69.6%-7.6pp |
| Annual return | 148.04% | 22.30%+125.7pp | 46.48%+101.6pp | 31.71%+116.3pp |
| Employer contribution / active EE | $1,186 | $2,691-55.9% | $3,660-67.6% | $2,471-52.0% |
| Participant deferral / active EE | $1,747 | $3,282-46.8% | $4,371-60.0% | $3,741-53.3% |
| Admin fee / account holder | $2,145 | $4,401-51.3% | $5,948-63.9% | $5,306-59.6% |