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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 | $47,023 | $71,197-34.0% | $93,669-49.8% | $80,925-41.9% |
| Participation rate | 56.7% | 60.4%-3.7pp | 68.7%-12.0pp | 67.7%-11.0pp |
| Annual return | 12.40% | 11.27%+1.1pp | 133.59%-121.2pp | 35.65%-23.2pp |
| Employer contribution / active EE | $414 | $1,565-73.6% | $2,424-82.9% | $2,756-85.0% |
| Participant deferral / active EE | $2,671 | $4,036-33.8% | $4,416-39.5% | $4,299-37.9% |
| Admin fee / account holder | $1,725 | $6,959-75.2% | $8,291-79.2% | $6,940-75.1% |