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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 | $36,948-58.6% | $73,658-79.2% | $87,485-82.5% |
| Participation rate | 54.0% | 46.8%+7.2pp | 57.0%-3.1pp | 68.9%-15.0pp |
| Annual return | 15.44% | 28.64%-13.2pp | 29.72%-14.3pp | 26.06%-10.6pp |
| Employer contribution / active EE | $330 | $670-50.7% | $1,032-68.0% | $2,596-87.3% |
| Participant deferral / active EE | $1,254 | $1,379-9.1% | $2,062-39.2% | $4,274-70.7% |
| Admin fee / account holder | $2,434 | $2,531-3.8% | $3,357-27.5% | $7,775-68.7% |