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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 | $26,091 | $58,493-55.4% | $84,023-68.9% | $72,976-64.2% |
| Participation rate | 62.2% | 61.2%+0.9pp | 69.0%-6.9pp | 69.5%-7.3pp |
| Annual return | 23.16% | 28.93%-5.8pp | 71.32%-48.2pp | 81.02%-57.9pp |
| Employer contribution / active EE | $557 | $1,163-52.1% | $1,984-71.9% | $2,440-77.2% |
| Participant deferral / active EE | $1,205 | $2,394-49.7% | $3,239-62.8% | $3,608-66.6% |
| Admin fee / account holder | $5,974 | $4,569+30.8% | $6,102-2.1% | $5,124+16.6% |