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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 | $27,534 | $37,446-26.5% | $77,552-64.5% | $79,856-65.5% |
| Participation rate | 42.3% | 41.5%+0.8pp | 54.2%-11.9pp | 69.6%-27.3pp |
| Annual return | 15.92% | 39.76%-23.8pp | 54.82%-38.9pp | 31.71%-15.8pp |
| Employer contribution / active EE | $601 | $637-5.6% | $987-39.1% | $2,471-75.7% |
| Participant deferral / active EE | $1,499 | $1,261+18.9% | $1,861-19.5% | $3,741-59.9% |
| Admin fee / account holder | $1,009 | $2,506-59.7% | $2,859-64.7% | $5,306-81.0% |