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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 | $23,664 | $65,027-63.6% | $90,970-74.0% | $79,852-70.4% |
| Participation rate | 69.4% | 61.6%+7.8pp | 69.0%+0.4pp | 69.6%-0.3pp |
| Annual return | 25.28% | 30.45%-5.2pp | 134.58%-109.3pp | 31.72%-6.4pp |
| Employer contribution / active EE | $1,454 | $1,247+16.6% | $2,122-31.5% | $2,471-41.2% |
| Participant deferral / active EE | $3,956 | $2,512+57.5% | $3,373+17.3% | $3,740+5.8% |
| Admin fee / account holder | $739 | $4,535-83.7% | $5,960-87.6% | $5,306-86.1% |