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 | $28,627 | $54,541-47.5% | $78,775-63.7% | $70,126-59.2% |
| Participation rate | 58.5% | 60.8%-2.3pp | 69.2%-10.7pp | 69.5%-11.0pp |
| Annual return | 17.10% | 21.07%-4.0pp | 35.62%-18.5pp | 73.15%-56.1pp |
| Employer contribution / active EE | $633 | $1,089-41.9% | $1,986-68.1% | $2,343-73.0% |
| Participant deferral / active EE | $1,969 | $2,210-10.9% | $2,958-33.4% | $3,332-40.9% |
| Admin fee / account holder | $1,319 | $3,709-64.4% | $5,132-74.3% | $4,646-71.6% |