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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 | $12,439 | $36,948-66.3% | $73,658-83.1% | $87,485-85.8% |
| Participation rate | 58.5% | 46.8%+11.7pp | 57.0%+1.5pp | 68.9%-10.4pp |
| Annual return | 18.40% | 28.64%-10.2pp | 29.72%-11.3pp | 26.06%-7.7pp |
| Employer contribution / active EE | $637 | $670-4.9% | $1,032-38.3% | $2,596-75.5% |
| Participant deferral / active EE | $1,328 | $1,379-3.7% | $2,062-35.6% | $4,274-68.9% |
| Admin fee / account holder | $486 | $2,531-80.8% | $3,357-85.5% | $7,775-93.8% |