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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 | $28,371 | $62,583-54.7% | $76,767-63.0% | $64,173-55.8% |
| Participation rate | 62.9% | 72.8%-10.0pp | 77.0%-14.1pp | 69.6%-6.7pp |
| Annual return | 10.47% | -1.95%+12.4pp | 2.43%+8.0pp | 7.63%+2.8pp |
| Employer contribution / active EE | $546 | $1,832-70.2% | $2,485-78.0% | $2,381-77.0% |
| Participant deferral / active EE | $1,644 | $3,145-47.7% | $3,852-57.3% | $3,470-52.6% |
| Admin fee / account holder | $5,868 | $4,667+25.7% | $6,675-12.1% | $4,887+20.1% |