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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 | $19,672 | $64,517-69.5% | $81,438-75.8% | $80,874-75.7% |
| Participation rate | 59.4% | 63.9%-4.5pp | 69.5%-10.1pp | 67.6%-8.2pp |
| Annual return | 11.64% | 16.35%-4.7pp | 24.74%-13.1pp | 35.62%-24.0pp |
| Employer contribution / active EE | $1,298 | $1,982-34.5% | $2,460-47.2% | $2,756-52.9% |
| Participant deferral / active EE | $2,602 | $3,096-16.0% | $3,883-33.0% | $4,297-39.5% |
| Admin fee / account holder | $22,456 | $5,677+295.5% | $5,764+289.6% | $6,935+223.8% |