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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 | $63,541 | $64,359-1.3% | $90,161-29.5% | $70,126-9.4% |
| Participation rate | 55.6% | 70.4%-14.9pp | 76.9%-21.3pp | 69.5%-14.0pp |
| Annual return | 14.70% | 28.13%-13.4pp | 34.89%-20.2pp | 73.15%-58.4pp |
| Employer contribution / active EE | $413 | $2,046-79.8% | $3,318-87.5% | $2,343-82.4% |
| Participant deferral / active EE | $2,015 | $4,389-54.1% | $5,287-61.9% | $3,332-39.5% |
| Admin fee / account holder | $585 | $3,945-85.2% | $5,943-90.1% | $4,645-87.4% |