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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 | $28,626 | $52,279-45.2% | $89,414-68.0% | $79,852-64.2% |
| Participation rate | 64.9% | 57.5%+7.3pp | 68.0%-3.1pp | 69.6%-4.8pp |
| Annual return | 15.05% | 22.16%-7.1pp | 245.50%-230.5pp | 31.72%-16.7pp |
| Employer contribution / active EE | $1,413 | $1,572-10.1% | $2,586-45.4% | $2,471-42.8% |
| Participant deferral / active EE | $3,606 | $2,740+31.6% | $3,890-7.3% | $3,740-3.6% |
| Admin fee / account holder | $509 | $3,356-84.8% | $4,883-89.6% | $5,306-90.4% |