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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 | $50,992 | $52,306-2.5% | $69,779-26.9% | $62,881-18.9% |
| Participation rate | 64.9% | 67.2%-2.4pp | 71.8%-7.0pp | 69.3%-4.4pp |
| Annual return | 5.47% | 13.35%-7.9pp | 12.99%-7.5pp | 20.14%-14.7pp |
| Employer contribution / active EE | $1,521 | $1,799-15.4% | $2,338-34.9% | $2,281-33.3% |
| Participant deferral / active EE | $2,607 | $2,395+8.8% | $2,931-11.1% | $3,203-18.6% |
| Admin fee / account holder | $4,976 | $3,691+34.8% | $4,381+13.6% | $4,296+15.8% |