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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 | $28,498 | $74,535-61.8% | $100,712-71.7% | $82,637-65.5% |
| Participation rate | 57.1% | 61.2%-4.0pp | 69.3%-12.1pp | 68.1%-10.9pp |
| Annual return | 14.58% | 18.92%-4.3pp | 33.27%-18.7pp | 53.51%-38.9pp |
| Employer contribution / active EE | $1,204 | $1,503-19.9% | $2,313-47.9% | $2,552-52.8% |
| Participant deferral / active EE | $2,261 | $3,074-26.4% | $4,085-44.7% | $4,126-45.2% |
| Admin fee / account holder | $4,873 | $6,576-25.9% | $9,256-47.4% | $7,339-33.6% |