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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 | $21,605 | $56,544-61.8% | $75,501-71.4% | $70,126-69.2% |
| Participation rate | 60.3% | 68.1%-7.8pp | 72.4%-12.1pp | 69.5%-9.3pp |
| Annual return | 16.86% | 23.59%-6.7pp | 27.35%-10.5pp | 73.15%-56.3pp |
| Employer contribution / active EE | $1,222 | $1,817-32.7% | $2,352-48.0% | $2,343-47.8% |
| Participant deferral / active EE | $1,784 | $2,580-30.9% | $3,142-43.2% | $3,332-46.5% |
| Admin fee / account holder | $691 | $3,827-82.0% | $5,801-88.1% | $4,645-85.1% |