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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 | $61,225 | $58,523+4.6% | $99,479-38.5% | $72,976-16.1% |
| Participation rate | 40.4% | 64.6%-24.2pp | 73.8%-33.5pp | 69.5%-29.1pp |
| Annual return | 24.86% | 28.51%-3.7pp | 30.72%-5.9pp | 81.02%-56.2pp |
| Employer contribution / active EE | $762 | $1,512-49.6% | $2,540-70.0% | $2,440-68.8% |
| Participant deferral / active EE | $1,595 | $2,606-38.8% | $3,619-55.9% | $3,608-55.8% |
| Admin fee / account holder | $863 | $4,102-79.0% | $6,253-86.2% | $5,124-83.2% |