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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 | $17,041 | $67,894-74.9% | $89,340-80.9% | $82,448-79.3% |
| Participation rate | 53.8% | 64.0%-10.2pp | 69.6%-15.7pp | 68.1%-14.2pp |
| Annual return | 17.89% | 19.21%-1.3pp | 20.57%-2.7pp | 41.64%-23.7pp |
| Employer contribution / active EE | $1,299 | $1,828-28.9% | $2,231-41.8% | $2,551-49.1% |
| Participant deferral / active EE | $2,249 | $3,072-26.8% | $3,823-41.2% | $4,139-45.7% |
| Admin fee / account holder | $5,654 | $5,723-1.2% | $6,704-15.7% | $7,234-21.8% |