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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 | $57,455 | $60,349-4.8% | $74,184-22.6% | $62,881-8.6% |
| Participation rate | 69.8% | 72.7%-2.9pp | 76.6%-6.8pp | 69.3%+0.5pp |
| Annual return | 10.33% | 21.38%-11.0pp | 17.74%-7.4pp | 20.14%-9.8pp |
| Employer contribution / active EE | $351 | $1,680-79.1% | $2,370-85.2% | $2,281-84.6% |
| Participant deferral / active EE | $1,781 | $2,856-37.6% | $3,550-49.8% | $3,203-44.4% |
| Admin fee / account holder | $776 | $4,261-81.8% | $5,586-86.1% | $4,296-81.9% |