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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 | $15,399 | $32,037-51.9% | $69,182-77.7% | $62,881-75.5% |
| Participation rate | 65.1% | 43.4%+21.7pp | 55.1%+10.0pp | 69.3%-4.2pp |
| Annual return | 8.91% | 15.16%-6.3pp | -21.93%+30.8pp | 20.14%-11.2pp |
| Employer contribution / active EE | $865 | $679+27.3% | $1,206-28.3% | $2,281-62.1% |
| Participant deferral / active EE | $1,596 | $1,185+34.7% | $1,897-15.8% | $3,203-50.2% |
| Admin fee / account holder | $6,406 | $2,608+145.6% | $2,697+137.6% | $4,296+49.1% |