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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 | $23,358 | $37,446-37.6% | $77,513-69.9% | $79,852-70.7% |
| Participation rate | 48.9% | 41.5%+7.4pp | 54.2%-5.3pp | 69.6%-20.7pp |
| Annual return | 13.87% | 39.76%-25.9pp | 54.81%-40.9pp | 31.72%-17.9pp |
| Employer contribution / active EE | $1,125 | $637+76.6% | $987+14.0% | $2,471-54.5% |
| Participant deferral / active EE | $603 | $1,261-52.2% | $1,861-67.6% | $3,740-83.9% |
| Admin fee / account holder | $1,859 | $2,506-25.8% | $2,859-35.0% | $5,306-65.0% |