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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 | $41,578 | $62,583-33.6% | $76,767-45.8% | $64,173-35.2% |
| Participation rate | 54.9% | 72.8%-17.9pp | 77.0%-22.1pp | 69.6%-14.7pp |
| Annual return | 5.08% | -1.95%+7.0pp | 2.43%+2.7pp | 7.63%-2.5pp |
| Employer contribution / active EE | $1,569 | $1,832-14.4% | $2,485-36.9% | $2,381-34.1% |
| Participant deferral / active EE | $6,421 | $3,145+104.2% | $3,852+66.7% | $3,470+85.1% |
| Admin fee / account holder | $3,848 | $4,667-17.5% | $6,675-42.4% | $4,887-21.3% |