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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 | $15,313 | $37,156-58.8% | $83,854-81.7% | $86,983-82.4% |
| Participation rate | 54.0% | 49.1%+4.9pp | 59.1%-5.1pp | 69.5%-15.6pp |
| Annual return | 15.44% | 29.88%-14.4pp | 31.39%-15.9pp | 25.83%-10.4pp |
| Employer contribution / active EE | $330 | $661-50.0% | $1,017-67.5% | $2,584-87.2% |
| Participant deferral / active EE | $1,254 | $1,418-11.6% | $2,035-38.4% | $4,194-70.1% |
| Admin fee / account holder | $2,434 | $2,510-3.0% | $3,197-23.9% | $7,856-69.0% |