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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 | $26,252 | $73,955-64.5% | $96,520-72.8% | $75,181-65.1% |
| Participation rate | 47.5% | 66.4%-18.9pp | 74.3%-26.8pp | 67.2%-19.7pp |
| Annual return | 15.64% | 26.72%-11.1pp | 35.72%-20.1pp | 160.69%-145.0pp |
| Employer contribution / active EE | $1,518 | $2,930-48.2% | $3,739-59.4% | $2,671-43.2% |
| Participant deferral / active EE | $3,689 | $3,659+0.8% | $4,879-24.4% | $4,126-10.6% |
| Admin fee / account holder | $2,294 | $5,217-56.0% | $6,733-65.9% | $5,650-59.4% |