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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 | $59,931 | $86,949-31.1% | $102,460-41.5% | $80,959-26.0% |
| Participation rate | 39.3% | 72.4%-33.1pp | 76.5%-37.2pp | 67.7%-28.4pp |
| Annual return | 13.61% | 18.89%-5.3pp | 29.47%-15.9pp | 35.67%-22.1pp |
| Employer contribution / active EE | $781 | $2,370-67.1% | $3,025-74.2% | $2,757-71.7% |
| Participant deferral / active EE | $1,859 | $4,121-54.9% | $5,056-63.2% | $4,300-56.8% |
| Admin fee / account holder | $671 | $8,048-91.7% | $9,460-92.9% | $6,925-90.3% |