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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 | $22,017 | $60,442-63.6% | $96,754-77.2% | $87,485-74.8% |
| Participation rate | 64.0% | 58.7%+5.3pp | 70.3%-6.3pp | 68.9%-4.9pp |
| Annual return | 24.38% | 21.97%+2.4pp | 82.04%-57.7pp | 26.06%-1.7pp |
| Employer contribution / active EE | $1,568 | $1,691-7.3% | $2,679-41.5% | $2,596-39.6% |
| Participant deferral / active EE | $2,557 | $3,280-22.0% | $4,758-46.3% | $4,274-40.2% |
| Admin fee / account holder | $1,095 | $5,069-78.4% | $8,905-87.7% | $7,775-85.9% |