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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 | $35,876 | $60,349-40.6% | $74,184-51.6% | $62,881-42.9% |
| Participation rate | 67.9% | 72.7%-4.9pp | 76.6%-8.8pp | 69.3%-1.4pp |
| Annual return | 5.78% | 21.38%-15.6pp | 17.74%-12.0pp | 20.14%-14.4pp |
| Employer contribution / active EE | $565 | $1,680-66.4% | $2,370-76.2% | $2,281-75.2% |
| Participant deferral / active EE | $2,291 | $2,856-19.8% | $3,550-35.5% | $3,203-28.5% |
| Admin fee / account holder | $5,311 | $4,261+24.6% | $5,586-4.9% | $4,296+23.6% |