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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 | $23,049 | $72,272-68.1% | $101,264-77.2% | $79,858-71.1% |
| Participation rate | 53.3% | 68.5%-15.1pp | 75.8%-22.5pp | 69.6%-16.3pp |
| Annual return | 25.39% | 22.30%+3.1pp | 46.48%-21.1pp | 31.72%-6.3pp |
| Employer contribution / active EE | $1,723 | $2,692-36.0% | $3,660-52.9% | $2,471-30.3% |
| Participant deferral / active EE | $3,799 | $3,282+15.8% | $4,370-13.1% | $3,740+1.6% |
| Admin fee / account holder | $472 | $4,401-89.3% | $5,947-92.1% | $5,306-91.1% |