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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 | $57,912 | $74,535-22.3% | $100,712-42.5% | $82,637-29.9% |
| Participation rate | 18.8% | 61.2%-42.4pp | 69.3%-50.5pp | 68.1%-49.3pp |
| Annual return | 18.86% | 18.92%-0.1pp | 33.27%-14.4pp | 53.51%-34.6pp |
| Employer contribution / active EE | $629 | $1,503-58.1% | $2,313-72.8% | $2,552-75.3% |
| Participant deferral / active EE | $2,376 | $3,074-22.7% | $4,085-41.8% | $4,126-42.4% |
| Admin fee / account holder | $2,417 | $6,576-63.2% | $9,256-73.9% | $7,339-67.1% |