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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 | $44,709 | $86,050-48.0% | $189,758-76.4% | $94,015-52.4% |
| Participation rate | 65.9% | 68.9%-3.0pp | 79.8%-13.9pp | 70.8%-5.0pp |
| Annual return | 14.41% | 17.77%-3.4pp | 52.62%-38.2pp | 17.84%-3.4pp |
| Employer contribution / active EE | $688 | $2,819-75.6% | $4,767-85.6% | $2,790-75.3% |
| Participant deferral / active EE | $2,381 | $3,349-28.9% | $5,856-59.3% | $4,249-44.0% |
| Admin fee / account holder | $8,206 | $6,627+23.8% | $20,388-59.7% | $8,951-8.3% |