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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 | $20,161 | $36,948-45.4% | $73,658-72.6% | $87,485-77.0% |
| Participation rate | 51.6% | 46.8%+4.7pp | 57.0%-5.5pp | 68.9%-17.4pp |
| Annual return | 17.31% | 28.64%-11.3pp | 29.72%-12.4pp | 26.06%-8.7pp |
| Employer contribution / active EE | $583 | $670-12.9% | $1,032-43.5% | $2,596-77.5% |
| Participant deferral / active EE | $940 | $1,379-31.9% | $2,062-54.4% | $4,274-78.0% |
| Admin fee / account holder | $2,677 | $2,531+5.8% | $3,357-20.2% | $7,775-65.6% |