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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 | $19,269 | $37,446-48.5% | $77,552-75.2% | $79,856-75.9% |
| Participation rate | 44.4% | 41.5%+2.9pp | 54.2%-9.7pp | 69.6%-25.2pp |
| Annual return | 34.84% | 39.76%-4.9pp | 54.82%-20.0pp | 31.71%+3.1pp |
| Employer contribution / active EE | $700 | $637+9.9% | $987-29.0% | $2,471-71.7% |
| Participant deferral / active EE | $2,663 | $1,261+111.2% | $1,861+43.1% | $3,741-28.8% |
| Admin fee / account holder | $303 | $2,506-87.9% | $2,859-89.4% | $5,306-94.3% |