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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 | $45,589 | $63,845-28.6% | $81,370-44.0% | $80,959-43.7% |
| Participation rate | 56.1% | 63.9%-7.8pp | 69.5%-13.4pp | 67.7%-11.6pp |
| Annual return | 13.20% | 16.37%-3.2pp | 24.85%-11.6pp | 35.67%-22.5pp |
| Employer contribution / active EE | $1,039 | $1,980-47.5% | $2,464-57.8% | $2,757-62.3% |
| Participant deferral / active EE | $2,062 | $3,093-33.3% | $3,885-46.9% | $4,300-52.1% |
| Admin fee / account holder | $3,510 | $5,688-38.3% | $5,749-38.9% | $6,925-49.3% |