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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 | $10,779 | $37,446-71.2% | $77,552-86.1% | $79,856-86.5% |
| Participation rate | 54.0% | 41.5%+12.5pp | 54.2%-0.2pp | 69.6%-15.6pp |
| Annual return | 28.63% | 39.76%-11.1pp | 54.82%-26.2pp | 31.71%-3.1pp |
| Employer contribution / active EE | $1,082 | $637+69.8% | $987+9.7% | $2,471-56.2% |
| Participant deferral / active EE | $2,162 | $1,261+71.5% | $1,861+16.2% | $3,741-42.2% |
| Admin fee / account holder | $1,250 | $2,506-50.1% | $2,859-56.3% | $5,306-76.4% |