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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 | $64,517-29.3% | $81,438-44.0% | $80,874-43.6% |
| Participation rate | 56.1% | 63.9%-7.8pp | 69.5%-13.4pp | 67.6%-11.5pp |
| Annual return | 13.20% | 16.35%-3.1pp | 24.74%-11.5pp | 35.62%-22.4pp |
| Employer contribution / active EE | $1,039 | $1,982-47.6% | $2,460-57.8% | $2,756-62.3% |
| Participant deferral / active EE | $2,062 | $3,096-33.4% | $3,883-46.9% | $4,297-52.0% |
| Admin fee / account holder | $3,510 | $5,677-38.2% | $5,764-39.1% | $6,935-49.4% |