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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 | $49,261 | $60,349-18.4% | $74,184-33.6% | $62,881-21.7% |
| Participation rate | 64.1% | 72.7%-8.6pp | 76.6%-12.5pp | 69.3%-5.2pp |
| Annual return | 7.73% | 21.38%-13.6pp | 17.74%-10.0pp | 20.14%-12.4pp |
| Employer contribution / active EE | $417 | $1,680-75.2% | $2,370-82.4% | $2,281-81.7% |
| Participant deferral / active EE | $1,377 | $2,856-51.8% | $3,550-61.2% | $3,203-57.0% |
| Admin fee / account holder | $2,558 | $4,261-40.0% | $5,586-54.2% | $4,296-40.4% |