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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 | $29,106 | $63,764-54.4% | $81,926-64.5% | $79,858-63.6% |
| Participation rate | 65.2% | 67.5%-2.3pp | 72.0%-6.8pp | 69.6%-4.4pp |
| Annual return | 11.92% | 22.66%-10.7pp | 29.49%-17.6pp | 31.72%-19.8pp |
| Employer contribution / active EE | $464 | $1,795-74.1% | $4,310-89.2% | $2,471-81.2% |
| Participant deferral / active EE | $1,487 | $2,780-46.5% | $7,108-79.1% | $3,740-60.2% |
| Admin fee / account holder | $9,240 | $4,426+108.7% | $5,159+79.1% | $5,306+74.1% |