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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 | $70,654 | $69,137+2.2% | $182,153-61.2% | $94,015-24.8% |
| Participation rate | 28.6% | 59.6%-31.1pp | 65.7%-37.2pp | 70.8%-42.2pp |
| Annual return | 14.54% | 21.34%-6.8pp | 35.04%-20.5pp | 17.84%-3.3pp |
| Employer contribution / active EE | $571 | $2,152-73.5% | $2,593-78.0% | $2,790-79.5% |
| Participant deferral / active EE | $1,272 | $2,665-52.3% | $3,776-66.3% | $4,249-70.1% |
| Admin fee / account holder | $11,819 | $11,615+1.8% | $9,477+24.7% | $8,951+32.0% |