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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 | $52,874 | $54,541-3.1% | $78,778-32.9% | $70,126-24.6% |
| Participation rate | 59.0% | 60.8%-1.8pp | 69.2%-10.2pp | 69.5%-10.5pp |
| Annual return | 12.45% | 21.07%-8.6pp | 35.62%-23.2pp | 73.15%-60.7pp |
| Employer contribution / active EE | $267 | $1,089-75.5% | $1,986-86.6% | $2,343-88.6% |
| Participant deferral / active EE | $3,147 | $2,210+42.4% | $2,958+6.4% | $3,332-5.5% |
| Admin fee / account holder | $1,952 | $3,709-47.4% | $5,134-62.0% | $4,645-58.0% |