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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 | $56,827 | $67,894-16.3% | $89,340-36.4% | $82,448-31.1% |
| Participation rate | 56.6% | 64.0%-7.5pp | 69.6%-13.0pp | 68.1%-11.5pp |
| Annual return | 15.62% | 19.21%-3.6pp | 20.57%-5.0pp | 41.64%-26.0pp |
| Employer contribution / active EE | $861 | $1,828-52.9% | $2,231-61.4% | $2,551-66.2% |
| Participant deferral / active EE | $2,584 | $3,072-15.9% | $3,823-32.4% | $4,139-37.6% |
| Admin fee / account holder | $2,750 | $5,723-52.0% | $6,704-59.0% | $7,234-62.0% |