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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 | $42,290 | $54,541-22.5% | $78,778-46.3% | $70,126-39.7% |
| Participation rate | 65.5% | 60.8%+4.7pp | 69.2%-3.7pp | 69.5%-4.0pp |
| Annual return | 13.05% | 21.07%-8.0pp | 35.62%-22.6pp | 73.15%-60.1pp |
| Employer contribution / active EE | $337 | $1,089-69.0% | $1,986-83.0% | $2,343-85.6% |
| Participant deferral / active EE | $1,697 | $2,210-23.2% | $2,958-42.6% | $3,332-49.1% |
| Admin fee / account holder | $3,698 | $3,709-0.3% | $5,134-28.0% | $4,645-20.4% |