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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 | $41,478 | $58,828-29.5% | $78,002-46.8% | $62,881-34.0% |
| Participation rate | 64.3% | 71.1%-6.8pp | 75.5%-11.2pp | 69.3%-5.0pp |
| Annual return | 5.38% | 17.16%-11.8pp | 425.99%-420.6pp | 20.14%-14.8pp |
| Employer contribution / active EE | $1,121 | $1,672-32.9% | $2,470-54.6% | $2,281-50.9% |
| Participant deferral / active EE | $2,537 | $2,686-5.5% | $3,497-27.5% | $3,203-20.8% |
| Admin fee / account holder | $1,603 | $4,393-63.5% | $5,481-70.8% | $4,296-62.7% |