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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 | $43,842 | $48,078-8.8% | $78,676-44.3% | $62,881-30.3% |
| Participation rate | 60.7% | 65.2%-4.5pp | 73.6%-12.9pp | 69.3%-8.6pp |
| Annual return | 5.89% | 31.36%-25.5pp | 62.19%-56.3pp | 20.14%-14.3pp |
| Employer contribution / active EE | $737 | $2,015-63.4% | $2,850-74.2% | $2,281-67.7% |
| Participant deferral / active EE | $2,052 | $2,587-20.7% | $3,517-41.7% | $3,203-35.9% |
| Admin fee / account holder | $2,530 | $3,206-21.1% | $4,510-43.9% | $4,296-41.1% |