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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 | $19,251 | $69,590-72.3% | $136,867-85.9% | $94,015-79.5% |
| Participation rate | 48.6% | 66.3%-17.7pp | 74.5%-26.0pp | 70.8%-22.2pp |
| Annual return | 22.42% | 19.62%+2.8pp | 42.97%-20.6pp | 17.84%+4.6pp |
| Employer contribution / active EE | $1,640 | $2,396-31.6% | $3,547-53.8% | $2,790-41.2% |
| Participant deferral / active EE | $2,319 | $3,437-32.5% | $4,924-52.9% | $4,249-45.4% |
| Admin fee / account holder | $2,357 | $8,912-73.5% | $10,340-77.2% | $8,951-73.7% |