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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 | $14,308 | $51,207-72.1% | $70,565-79.7% | $71,529-80.0% |
| Participation rate | 59.8% | 59.4%+0.4pp | 68.4%-8.5pp | 67.9%-8.1pp |
| Annual return | 23.64% | 42.71%-19.1pp | 32.79%-9.2pp | 28.97%-5.3pp |
| Employer contribution / active EE | $1,208 | $1,795-32.7% | $2,976-59.4% | $2,590-53.4% |
| Participant deferral / active EE | $3,760 | $3,033+24.0% | $4,568-17.7% | $4,291-12.4% |
| Admin fee / account holder | $804 | $2,002-59.8% | $6,430-87.5% | $1,588-49.4% |