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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 | $22,843 | $50,972-55.2% | $88,632-74.2% | $72,976-68.7% |
| Participation rate | 61.9% | 63.4%-1.5pp | 68.8%-6.9pp | 69.5%-7.6pp |
| Annual return | 19.38% | 29.62%-10.2pp | 43.75%-24.4pp | 81.02%-61.6pp |
| Employer contribution / active EE | $1,289 | $1,475-12.6% | $2,101-38.7% | $2,440-47.2% |
| Participant deferral / active EE | $2,396 | $2,230+7.4% | $2,917-17.9% | $3,608-33.6% |
| Admin fee / account holder | $1,491 | $3,230-53.9% | $4,308-65.4% | $5,124-70.9% |