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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 | $21,132 | $48,364-56.3% | $71,796-70.6% | $62,881-66.4% |
| Participation rate | 55.2% | 60.6%-5.5pp | 69.1%-13.9pp | 69.3%-14.1pp |
| Annual return | 22.05% | 13.16%+8.9pp | 78.04%-56.0pp | 20.14%+1.9pp |
| Employer contribution / active EE | $1,933 | $1,042+85.5% | $1,924+0.4% | $2,281-15.3% |
| Participant deferral / active EE | $4,346 | $2,091+107.8% | $2,794+55.5% | $3,203+35.7% |
| Admin fee / account holder | $981 | $3,771-74.0% | $4,815-79.6% | $4,296-77.2% |