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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 | $21,232 | $37,446-43.3% | $77,552-72.6% | $79,856-73.4% |
| Participation rate | 48.1% | 41.5%+6.6pp | 54.2%-6.0pp | 69.6%-21.5pp |
| Annual return | 25.12% | 39.76%-14.6pp | 54.82%-29.7pp | 31.71%-6.6pp |
| Employer contribution / active EE | $651 | $637+2.2% | $987-34.0% | $2,471-73.7% |
| Participant deferral / active EE | $2,984 | $1,261+136.6% | $1,861+60.3% | $3,741-20.2% |
| Admin fee / account holder | $357 | $2,506-85.7% | $2,859-87.5% | $5,306-93.3% |