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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 | $21,681 | $47,944-54.8% | $67,834-68.0% | $62,881-65.5% |
| Participation rate | 61.7% | 61.1%+0.6pp | 68.8%-7.1pp | 69.3%-7.6pp |
| Annual return | 6.12% | 11.77%-5.7pp | 138.47%-132.4pp | 20.14%-14.0pp |
| Employer contribution / active EE | $1,115 | $1,562-28.6% | $2,403-53.6% | $2,281-51.1% |
| Participant deferral / active EE | $1,682 | $2,247-25.1% | $3,160-46.8% | $3,203-47.5% |
| Admin fee / account holder | $2,815 | $3,712-24.2% | $4,622-39.1% | $4,296-34.5% |