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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 | $63,524 | $74,535-14.8% | $100,712-36.9% | $82,637-23.1% |
| Participation rate | 53.6% | 61.2%-7.6pp | 69.3%-15.7pp | 68.1%-14.5pp |
| Annual return | 17.00% | 18.92%-1.9pp | 33.27%-16.3pp | 53.51%-36.5pp |
| Employer contribution / active EE | $356 | $1,503-76.3% | $2,313-84.6% | $2,552-86.0% |
| Participant deferral / active EE | $2,621 | $3,074-14.7% | $4,085-35.8% | $4,126-36.5% |
| Admin fee / account holder | $2,973 | $6,576-54.8% | $9,256-67.9% | $7,339-59.5% |