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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 | $68,950 | $71,215-3.2% | $93,696-26.4% | $80,935-14.8% |
| Participation rate | 38.3% | 60.4%-22.1pp | 68.7%-30.4pp | 67.7%-29.4pp |
| Annual return | 12.07% | 11.27%+0.8pp | 133.74%-121.7pp | 35.66%-23.6pp |
| Employer contribution / active EE | $718 | $1,565-54.1% | $2,422-70.3% | $2,757-74.0% |
| Participant deferral / active EE | $2,634 | $4,037-34.7% | $4,417-40.4% | $4,299-38.7% |
| Admin fee / account holder | $1,994 | $6,958-71.3% | $8,287-75.9% | $6,924-71.2% |