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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 | $24,496 | $81,504-69.9% | $102,437-76.1% | $80,959-69.7% |
| Participation rate | 69.6% | 66.9%+2.7pp | 74.5%-4.9pp | 67.7%+1.9pp |
| Annual return | 16.28% | 25.60%-9.3pp | 24.95%-8.7pp | 35.67%-19.4pp |
| Employer contribution / active EE | $3,698 | $3,104+19.1% | $3,871-4.5% | $2,757+34.1% |
| Participant deferral / active EE | $2,334 | $3,871-39.7% | $5,060-53.9% | $4,300-45.7% |
| Admin fee / account holder | $795 | $6,719-88.2% | $8,388-90.5% | $6,925-88.5% |