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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 | $19,691 | $56,894-65.4% | $84,753-76.8% | $62,881-68.7% |
| Participation rate | 53.1% | 68.5%-15.4pp | 76.6%-23.5pp | 69.3%-16.2pp |
| Annual return | 19.06% | 6.30%+12.8pp | 22.78%-3.7pp | 20.14%-1.1pp |
| Employer contribution / active EE | $1,441 | $2,400-39.9% | $3,574-59.7% | $2,281-36.8% |
| Participant deferral / active EE | $2,093 | $2,709-22.7% | $3,712-43.6% | $3,203-34.7% |
| Admin fee / account holder | $7,389 | $3,581+106.3% | $5,333+38.6% | $4,296+72.0% |