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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 | $19,378 | $37,446-48.2% | $77,552-75.0% | $79,856-75.7% |
| Participation rate | 51.9% | 41.5%+10.3pp | 54.2%-2.3pp | 69.6%-17.8pp |
| Annual return | 23.31% | 39.76%-16.5pp | 54.82%-31.5pp | 31.71%-8.4pp |
| Employer contribution / active EE | $601 | $637-5.7% | $987-39.1% | $2,471-75.7% |
| Participant deferral / active EE | $2,451 | $1,261+94.4% | $1,861+31.7% | $3,741-34.5% |
| Admin fee / account holder | $672 | $2,506-73.2% | $2,859-76.5% | $5,306-87.3% |