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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 | $44,383 | $49,025-9.5% | $87,502-49.3% | $62,881-29.4% |
| Participation rate | 58.8% | 64.9%-6.1pp | 73.8%-15.1pp | 69.3%-10.6pp |
| Annual return | 8.27% | 10.02%-1.8pp | 12.21%-3.9pp | 20.14%-11.9pp |
| Employer contribution / active EE | $786 | $1,372-42.7% | $2,550-69.2% | $2,281-65.5% |
| Participant deferral / active EE | $3,690 | $2,289+61.2% | $3,149+17.2% | $3,203+15.2% |
| Admin fee / account holder | $3,465 | $4,065-14.8% | $4,221-17.9% | $4,296-19.3% |