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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 | $7,192 | $36,948-80.5% | $73,658-90.2% | $87,485-91.8% |
| Participation rate | 59.5% | 46.8%+12.7pp | 57.0%+2.5pp | 68.9%-9.4pp |
| Annual return | 21.80% | 28.64%-6.8pp | 29.72%-7.9pp | 26.06%-4.3pp |
| Employer contribution / active EE | $597 | $670-10.9% | $1,032-42.2% | $2,596-77.0% |
| Participant deferral / active EE | $1,854 | $1,379+34.4% | $2,062-10.1% | $4,274-56.6% |
| Admin fee / account holder | $310 | $2,531-87.7% | $3,357-90.8% | $7,775-96.0% |