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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 | $52,510 | $56,894-7.7% | $84,753-38.0% | $62,881-16.5% |
| Participation rate | 53.2% | 68.5%-15.4pp | 76.6%-23.4pp | 69.3%-16.1pp |
| Annual return | 9.24% | 6.30%+2.9pp | 22.78%-13.5pp | 20.14%-10.9pp |
| Employer contribution / active EE | $989 | $2,400-58.8% | $3,574-72.3% | $2,281-56.6% |
| Participant deferral / active EE | $2,090 | $2,709-22.9% | $3,712-43.7% | $3,203-34.8% |
| Admin fee / account holder | $852 | $3,581-76.2% | $5,333-84.0% | $4,296-80.2% |