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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 | $60,285 | $63,773-5.5% | $81,286-25.8% | $80,925-25.5% |
| Participation rate | 57.7% | 63.9%-6.2pp | 69.5%-11.8pp | 67.7%-10.0pp |
| Annual return | 11.59% | 16.37%-4.8pp | 24.80%-13.2pp | 35.65%-24.1pp |
| Employer contribution / active EE | $1,717 | $1,979-13.3% | $2,463-30.3% | $2,756-37.7% |
| Participant deferral / active EE | $2,849 | $3,093-7.9% | $3,883-26.6% | $4,299-33.7% |
| Admin fee / account holder | $3,562 | $5,682-37.3% | $5,764-38.2% | $6,940-48.7% |