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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 | $60,426 | $64,010-5.6% | $108,359-44.2% | $64,340-6.1% |
| Participation rate | 42.1% | 49.4%-7.3pp | 70.1%-28.0pp | 55.2%-13.1pp |
| Annual return | 12.94% | 19.74%-6.8pp | 36.89%-24.0pp | 24.14%-11.2pp |
| Employer contribution / active EE | $898 | $1,029-12.7% | $2,399-62.6% | $1,862-51.8% |
| Participant deferral / active EE | $1,507 | $2,395-37.1% | $4,137-63.6% | $2,980-49.4% |
| Admin fee / account holder | $5,474 | $4,885+12.1% | $9,741-43.8% | $3,703+47.8% |