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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 | $46,584 | $67,411-30.9% | $91,004-48.8% | $70,126-33.6% |
| Participation rate | 63.6% | 71.4%-7.7pp | 75.6%-12.0pp | 69.5%-5.9pp |
| Annual return | 13.58% | -40.16%+53.7pp | 4.60%+9.0pp | 73.15%-59.6pp |
| Employer contribution / active EE | $691 | $1,786-61.3% | $2,456-71.9% | $2,343-70.5% |
| Participant deferral / active EE | $1,529 | $2,823-45.8% | $3,548-56.9% | $3,332-54.1% |
| Admin fee / account holder | $5,188 | $4,236+22.5% | $5,417-4.2% | $4,645+11.7% |