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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 | $55,240 | $60,349-8.5% | $74,184-25.5% | $62,881-12.2% |
| Participation rate | 65.9% | 72.7%-6.8pp | 76.6%-10.7pp | 69.3%-3.4pp |
| Annual return | 10.97% | 21.38%-10.4pp | 17.74%-6.8pp | 20.14%-9.2pp |
| Employer contribution / active EE | $0 | $1,680-100.0% | $2,370-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $2,587 | $2,856-9.4% | $3,550-27.1% | $3,203-19.2% |
| Admin fee / account holder | $1,329 | $4,261-68.8% | $5,586-76.2% | $4,296-69.1% |