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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 | $42,563 | $67,411-36.9% | $91,004-53.2% | $70,131-39.3% |
| Participation rate | 68.6% | 71.4%-2.8pp | 75.6%-7.0pp | 69.5%-1.0pp |
| Annual return | 15.68% | -40.16%+55.8pp | 4.60%+11.1pp | 73.14%-57.5pp |
| Employer contribution / active EE | $775 | $1,786-56.6% | $2,456-68.5% | $2,342-66.9% |
| Participant deferral / active EE | $3,430 | $2,823+21.5% | $3,548-3.3% | $3,332+2.9% |
| Admin fee / account holder | $786 | $4,236-81.4% | $5,417-85.5% | $4,645-83.1% |