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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 | $52,391 | $55,684-5.9% | $75,900-31.0% | $72,976-28.2% |
| Participation rate | 51.7% | 61.1%-9.4pp | 69.3%-17.6pp | 69.5%-17.8pp |
| Annual return | 19.04% | 27.60%-8.6pp | 30.73%-11.7pp | 81.02%-62.0pp |
| Employer contribution / active EE | $498 | $1,687-70.5% | $2,501-80.1% | $2,440-79.6% |
| Participant deferral / active EE | $1,485 | $2,634-43.6% | $3,604-58.8% | $3,608-58.8% |
| Admin fee / account holder | $3,802 | $3,981-4.5% | $5,421-29.9% | $5,124-25.8% |