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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 | $42,188 | $54,541-22.6% | $78,778-46.4% | $70,126-39.8% |
| Participation rate | 58.2% | 60.8%-2.6pp | 69.2%-11.0pp | 69.5%-11.3pp |
| Annual return | 16.13% | 21.07%-4.9pp | 35.62%-19.5pp | 73.15%-57.0pp |
| Employer contribution / active EE | $777 | $1,089-28.7% | $1,986-60.9% | $2,343-66.8% |
| Participant deferral / active EE | $2,144 | $2,210-3.0% | $2,958-27.5% | $3,332-35.6% |
| Admin fee / account holder | $3,134 | $3,709-15.5% | $5,134-39.0% | $4,645-32.5% |