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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 | $10,993 | $57,073-80.7% | $85,126-87.1% | $80,925-86.4% |
| Participation rate | 62.0% | 56.4%+5.6pp | 67.5%-5.5pp | 67.7%-5.7pp |
| Annual return | 28.53% | 21.69%+6.8pp | 66.63%-38.1pp | 35.65%-7.1pp |
| Employer contribution / active EE | $2,699 | $1,801+49.9% | $2,731-1.2% | $2,756-2.1% |
| Participant deferral / active EE | $4,262 | $3,113+36.9% | $4,523-5.8% | $4,299-0.9% |
| Admin fee / account holder | $1,477 | $4,988-70.4% | $6,160-76.0% | $6,940-78.7% |