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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 | $21,628 | $62,242-65.3% | $105,582-79.5% | $69,733-69.0% |
| Participation rate | 38.5% | 47.3%-8.8pp | 71.8%-33.3pp | 62.5%-24.0pp |
| Annual return | 16.24% | 15.40%+0.8pp | 18.61%-2.4pp | 15.22%+1.0pp |
| Employer contribution / active EE | $422 | $1,558-72.9% | $2,984-85.9% | $2,250-81.2% |
| Participant deferral / active EE | $1,518 | $2,462-38.4% | $4,353-65.1% | $3,054-50.3% |
| Admin fee / account holder | $3,873 | $4,615-16.1% | $12,856-69.9% | $3,102+24.8% |