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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 | $39,868 | $56,287-29.2% | $80,977-50.8% | $62,881-36.6% |
| Participation rate | 68.3% | 68.9%-0.6pp | 75.8%-7.5pp | 69.3%-1.0pp |
| Annual return | 8.54% | 22.13%-13.6pp | 17.11%-8.6pp | 20.14%-11.6pp |
| Employer contribution / active EE | $1,342 | $1,943-30.9% | $3,715-63.9% | $2,281-41.1% |
| Participant deferral / active EE | $4,110 | $4,196-2.0% | $5,696-27.8% | $3,203+28.3% |
| Admin fee / account holder | $604 | $3,742-83.9% | $5,517-89.1% | $4,296-85.9% |