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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 | $56,390 | $56,894-0.9% | $84,753-33.5% | $62,881-10.3% |
| Participation rate | 55.6% | 68.5%-13.0pp | 76.6%-21.0pp | 69.3%-13.7pp |
| Annual return | 6.81% | 6.30%+0.5pp | 22.78%-16.0pp | 20.14%-13.3pp |
| Employer contribution / active EE | $718 | $2,400-70.1% | $3,574-79.9% | $2,281-68.5% |
| Participant deferral / active EE | $3,740 | $2,709+38.0% | $3,712+0.7% | $3,203+16.8% |
| Admin fee / account holder | $4,241 | $3,581+18.4% | $5,333-20.5% | $4,296-1.3% |