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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 | $63,430 | $63,845-0.7% | $81,370-22.0% | $80,959-21.7% |
| Participation rate | 52.2% | 63.9%-11.7pp | 69.5%-17.4pp | 67.7%-15.5pp |
| Annual return | 13.05% | 16.37%-3.3pp | 24.85%-11.8pp | 35.67%-22.6pp |
| Employer contribution / active EE | $679 | $1,980-65.7% | $2,464-72.4% | $2,757-75.4% |
| Participant deferral / active EE | $1,447 | $3,093-53.2% | $3,885-62.8% | $4,300-66.4% |
| Admin fee / account holder | $453 | $5,688-92.0% | $5,749-92.1% | $6,925-93.5% |