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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 | $13,415 | $37,446-64.2% | $77,513-82.7% | $79,852-83.2% |
| Participation rate | 60.7% | 41.5%+19.2pp | 54.2%+6.5pp | 69.6%-8.9pp |
| Annual return | 13.23% | 39.76%-26.5pp | 54.81%-41.6pp | 31.72%-18.5pp |
| Employer contribution / active EE | $662 | $637+3.8% | $987-33.0% | $2,471-73.2% |
| Participant deferral / active EE | $1,903 | $1,261+50.9% | $1,861+2.2% | $3,740-49.1% |
| Admin fee / account holder | $817 | $2,506-67.4% | $2,859-71.4% | $5,306-84.6% |