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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 | $14,808 | $57,140-74.1% | $85,240-82.6% | $80,959-81.7% |
| Participation rate | 57.1% | 56.4%+0.7pp | 67.5%-10.4pp | 67.7%-10.5pp |
| Annual return | 12.93% | 21.71%-8.8pp | 66.75%-53.8pp | 35.67%-22.7pp |
| Employer contribution / active EE | $1,078 | $1,802-40.2% | $2,735-60.6% | $2,757-60.9% |
| Participant deferral / active EE | $2,479 | $3,115-20.4% | $4,527-45.2% | $4,300-42.4% |
| Admin fee / account holder | $587 | $4,992-88.2% | $6,165-90.5% | $6,925-91.5% |