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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 | $23,132 | $36,948-37.4% | $73,658-68.6% | $87,485-73.6% |
| Participation rate | 66.7% | 46.8%+19.8pp | 57.0%+9.6pp | 68.9%-2.3pp |
| Annual return | 16.10% | 28.64%-12.5pp | 29.72%-13.6pp | 26.06%-10.0pp |
| Employer contribution / active EE | $817 | $670+22.0% | $1,032-20.8% | $2,596-68.5% |
| Participant deferral / active EE | $2,095 | $1,379+51.9% | $2,062+1.6% | $4,274-51.0% |
| Admin fee / account holder | $321 | $2,531-87.3% | $3,357-90.5% | $7,775-95.9% |