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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 | $23,756 | $60,349-60.6% | $74,184-68.0% | $62,881-62.2% |
| Participation rate | 58.0% | 72.7%-14.8pp | 76.6%-18.6pp | 69.3%-11.3pp |
| Annual return | 6.96% | 21.38%-14.4pp | 17.74%-10.8pp | 20.14%-13.2pp |
| Employer contribution / active EE | $1,421 | $1,680-15.4% | $2,370-40.1% | $2,281-37.7% |
| Participant deferral / active EE | $2,637 | $2,856-7.7% | $3,550-25.7% | $3,203-17.7% |
| Admin fee / account holder | $757 | $4,261-82.2% | $5,586-86.4% | $4,296-82.4% |