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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 | $42,437 | $60,349-29.7% | $74,184-42.8% | $62,881-32.5% |
| Participation rate | 64.1% | 72.7%-8.6pp | 76.6%-12.5pp | 69.3%-5.2pp |
| Annual return | 8.20% | 21.38%-13.2pp | 17.74%-9.5pp | 20.14%-11.9pp |
| Employer contribution / active EE | $691 | $1,680-58.9% | $2,370-70.8% | $2,281-69.7% |
| Participant deferral / active EE | $1,790 | $2,856-37.3% | $3,550-49.6% | $3,203-44.1% |
| Admin fee / account holder | $476 | $4,261-88.8% | $5,586-91.5% | $4,296-88.9% |