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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 | $20,601 | $36,948-44.2% | $73,658-72.0% | $87,485-76.5% |
| Participation rate | 61.5% | 46.8%+14.7pp | 57.0%+4.5pp | 68.9%-7.4pp |
| Annual return | 22.44% | 28.64%-6.2pp | 29.72%-7.3pp | 26.06%-3.6pp |
| Employer contribution / active EE | $1,333 | $670+98.9% | $1,032+29.1% | $2,596-48.7% |
| Participant deferral / active EE | $2,270 | $1,379+64.6% | $2,062+10.1% | $4,274-46.9% |
| Admin fee / account holder | $1,330 | $2,531-47.5% | $3,357-60.4% | $7,775-82.9% |