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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 | $20,417 | $58,057-64.8% | $97,032-79.0% | $86,983-76.5% |
| Participation rate | 67.1% | 60.4%+6.8pp | 71.6%-4.4pp | 69.5%-2.4pp |
| Annual return | 15.69% | 22.26%-6.6pp | 35.38%-19.7pp | 25.83%-10.1pp |
| Employer contribution / active EE | $849 | $1,663-49.0% | $2,629-67.7% | $2,584-67.2% |
| Participant deferral / active EE | $1,228 | $3,244-62.2% | $4,672-73.7% | $4,194-70.7% |
| Admin fee / account holder | $830 | $4,839-82.8% | $9,418-91.2% | $7,856-89.4% |