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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 | $35,487 | $56,894-37.6% | $84,753-58.1% | $62,881-43.6% |
| Participation rate | 57.4% | 68.5%-11.1pp | 76.6%-19.1pp | 69.3%-11.9pp |
| Annual return | 5.69% | 6.30%-0.6pp | 22.78%-17.1pp | 20.14%-14.5pp |
| Employer contribution / active EE | $875 | $2,400-63.5% | $3,574-75.5% | $2,281-61.6% |
| Participant deferral / active EE | $1,697 | $2,709-37.4% | $3,712-54.3% | $3,203-47.0% |
| Admin fee / account holder | $961 | $3,581-73.2% | $5,333-82.0% | $4,296-77.6% |