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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 | $60,781 | $73,787-17.6% | $98,716-38.4% | $82,448-26.3% |
| Participation rate | 52.2% | 61.4%-9.2pp | 69.3%-17.1pp | 68.1%-15.9pp |
| Annual return | 17.36% | 18.57%-1.2pp | 31.81%-14.4pp | 41.64%-24.3pp |
| Employer contribution / active EE | $842 | $1,511-44.3% | $2,279-63.0% | $2,551-67.0% |
| Participant deferral / active EE | $3,220 | $3,081+4.5% | $4,048-20.4% | $4,139-22.2% |
| Admin fee / account holder | $374 | $6,500-94.2% | $8,703-95.7% | $7,234-94.8% |