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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 | $14,734 | $37,436-60.6% | $77,513-81.0% | $79,858-81.5% |
| Participation rate | 33.3% | 41.5%-8.2pp | 54.2%-20.9pp | 69.6%-36.3pp |
| Annual return | 36.15% | 39.75%-3.6pp | 54.81%-18.7pp | 31.72%+4.4pp |
| Employer contribution / active EE | $462 | $637-27.5% | $987-53.2% | $2,471-81.3% |
| Participant deferral / active EE | $1,551 | $1,261+23.0% | $1,861-16.7% | $3,740-58.5% |
| Admin fee / account holder | $428 | $2,505-82.9% | $2,859-85.0% | $5,306-91.9% |