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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 | $58,748 | $60,349-2.7% | $74,184-20.8% | $62,881-6.6% |
| Participation rate | 65.4% | 72.7%-7.3pp | 76.6%-11.2pp | 69.3%-3.9pp |
| Annual return | 6.88% | 21.38%-14.5pp | 17.74%-10.9pp | 20.14%-13.3pp |
| Employer contribution / active EE | $477 | $1,680-71.6% | $2,370-79.9% | $2,281-79.1% |
| Participant deferral / active EE | $2,629 | $2,856-7.9% | $3,550-25.9% | $3,203-17.9% |
| Admin fee / account holder | $1,877 | $4,261-55.9% | $5,586-66.4% | $4,296-56.3% |