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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 | $36,712 | $36,948-0.6% | $73,658-50.2% | $87,485-58.0% |
| Participation rate | 55.7% | 46.8%+8.9pp | 57.0%-1.3pp | 68.9%-13.2pp |
| Annual return | 15.42% | 28.64%-13.2pp | 29.72%-14.3pp | 26.06%-10.6pp |
| Employer contribution / active EE | $775 | $670+15.6% | $1,032-25.0% | $2,596-70.2% |
| Participant deferral / active EE | $1,619 | $1,379+17.4% | $2,062-21.5% | $4,274-62.1% |
| Admin fee / account holder | $713 | $2,531-71.8% | $3,357-78.8% | $7,775-90.8% |