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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 | $20,214 | $42,383-52.3% | $76,518-73.6% | $64,173-68.5% |
| Participation rate | 64.7% | 58.1%+6.6pp | 68.0%-3.3pp | 69.6%-4.9pp |
| Annual return | 14.92% | -16.54%+31.5pp | -0.27%+15.2pp | 7.63%+7.3pp |
| Employer contribution / active EE | $1,211 | $1,563-22.5% | $2,647-54.2% | $2,381-49.1% |
| Participant deferral / active EE | $2,819 | $2,566+9.8% | $3,836-26.5% | $3,470-18.8% |
| Admin fee / account holder | $358 | $3,198-88.8% | $4,849-92.6% | $4,887-92.7% |