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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 | $60,278 | $63,365-4.9% | $91,994-34.5% | $72,976-17.4% |
| Participation rate | 39.5% | 72.5%-33.0pp | 78.6%-39.2pp | 69.5%-30.0pp |
| Annual return | 20.64% | 35.35%-14.7pp | 69.04%-48.4pp | 81.02%-60.4pp |
| Employer contribution / active EE | $1,165 | $2,116-45.0% | $3,453-66.3% | $2,440-52.3% |
| Participant deferral / active EE | $2,431 | $4,883-50.2% | $5,924-59.0% | $3,608-32.6% |
| Admin fee / account holder | $1,942 | $4,670-58.4% | $7,744-74.9% | $5,124-62.1% |