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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 | $28,401 | $78,013-63.6% | $178,449-84.1% | $80,911-64.9% |
| Participation rate | 59.6% | 65.7%-6.1pp | 77.1%-17.5pp | 67.6%-8.1pp |
| Annual return | 14.62% | 18.07%-3.4pp | 27.09%-12.5pp | 35.63%-21.0pp |
| Employer contribution / active EE | $985 | $2,287-56.9% | $3,951-75.1% | $2,756-64.2% |
| Participant deferral / active EE | $3,139 | $4,408-28.8% | $6,277-50.0% | $4,297-26.9% |
| Admin fee / account holder | $6,712 | $7,166-6.3% | $10,362-35.2% | $6,935-3.2% |