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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 | $20,799 | $60,442-65.6% | $96,754-78.5% | $87,485-76.2% |
| Participation rate | 61.5% | 58.7%+2.8pp | 70.3%-8.7pp | 68.9%-7.4pp |
| Annual return | 16.89% | 21.97%-5.1pp | 82.04%-65.1pp | 26.06%-9.2pp |
| Employer contribution / active EE | $1,383 | $1,691-18.2% | $2,679-48.4% | $2,596-46.7% |
| Participant deferral / active EE | $1,953 | $3,280-40.5% | $4,758-59.0% | $4,274-54.3% |
| Admin fee / account holder | $370 | $5,069-92.7% | $8,905-95.8% | $7,775-95.2% |