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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 | $64,484 | $57,119+12.9% | $85,187-24.3% | $80,935-20.3% |
| Participation rate | 51.3% | 56.4%-5.1pp | 67.5%-16.2pp | 67.7%-16.4pp |
| Annual return | 14.10% | 21.70%-7.6pp | 66.67%-52.6pp | 35.66%-21.6pp |
| Employer contribution / active EE | $396 | $1,802-78.0% | $2,732-85.5% | $2,757-85.6% |
| Participant deferral / active EE | $5,539 | $3,115+77.8% | $4,525+22.4% | $4,299+28.8% |
| Admin fee / account holder | $603 | $4,990-87.9% | $6,162-90.2% | $6,924-91.3% |