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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 | $25,169 | $58,851-57.2% | $115,170-78.1% | $72,983-65.5% |
| Participation rate | 24.2% | 65.5%-41.4pp | 75.9%-51.7pp | 69.5%-45.3pp |
| Annual return | 26.96% | 23.16%+3.8pp | 35.60%-8.6pp | 81.01%-54.1pp |
| Employer contribution / active EE | $1,031 | $1,798-42.7% | $3,179-67.6% | $2,440-57.8% |
| Participant deferral / active EE | $1,975 | $2,643-25.2% | $4,169-52.6% | $3,608-45.2% |
| Admin fee / account holder | $348 | $6,370-94.5% | $7,089-95.1% | $5,124-93.2% |