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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 | $12,222 | $37,446-67.4% | $77,552-84.2% | $79,856-84.7% |
| Participation rate | 47.4% | 41.5%+5.8pp | 54.2%-6.8pp | 69.6%-22.3pp |
| Annual return | 34.93% | 39.76%-4.8pp | 54.82%-19.9pp | 31.71%+3.2pp |
| Employer contribution / active EE | $884 | $637+38.8% | $987-10.4% | $2,471-64.2% |
| Participant deferral / active EE | $1,977 | $1,261+56.8% | $1,861+6.3% | $3,741-47.1% |
| Admin fee / account holder | $456 | $2,506-81.8% | $2,859-84.0% | $5,306-91.4% |