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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 | $23,521 | $52,279-55.0% | $89,414-73.7% | $79,852-70.5% |
| Participation rate | 66.7% | 57.5%+9.1pp | 68.0%-1.3pp | 69.6%-3.0pp |
| Annual return | 20.64% | 22.16%-1.5pp | 245.50%-224.9pp | 31.72%-11.1pp |
| Employer contribution / active EE | $1,316 | $1,572-16.3% | $2,586-49.1% | $2,471-46.8% |
| Participant deferral / active EE | $1,992 | $2,740-27.3% | $3,890-48.8% | $3,740-46.7% |
| Admin fee / account holder | $1,079 | $3,356-67.9% | $4,883-77.9% | $5,306-79.7% |