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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 | $27,070 | $59,123-54.2% | $77,183-64.9% | $75,181-64.0% |
| Participation rate | 49.4% | 63.9%-14.5pp | 69.6%-20.2pp | 67.2%-17.8pp |
| Annual return | 18.69% | 26.72%-8.0pp | 37.89%-19.2pp | 160.69%-142.0pp |
| Employer contribution / active EE | $1,369 | $1,996-31.4% | $2,534-46.0% | $2,671-48.7% |
| Participant deferral / active EE | $2,142 | $2,999-28.6% | $3,833-44.1% | $4,126-48.1% |
| Admin fee / account holder | $1,413 | $4,776-70.4% | $5,475-74.2% | $5,650-75.0% |