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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 | $26,538 | $52,639-49.6% | $185,117-85.7% | $62,293-57.4% |
| Participation rate | 46.8% | 63.9%-17.0pp | 77.3%-30.4pp | 69.5%-22.7pp |
| Annual return | 17.20% | 19.57%-2.4pp | 40.50%-23.3pp | 28.90%-11.7pp |
| Employer contribution / active EE | $1,276 | $1,483-14.0% | $4,182-69.5% | $2,042-37.5% |
| Participant deferral / active EE | $2,370 | $3,097-23.5% | $5,045-53.0% | $3,169-25.2% |
| Admin fee / account holder | $2,803 | $374+650.1% | $8,159-65.7% | $479+484.7% |