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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 | $60,110 | $73,787-18.5% | $98,716-39.1% | $82,448-27.1% |
| Participation rate | 42.5% | 61.4%-18.9pp | 69.3%-26.8pp | 68.1%-25.6pp |
| Annual return | 14.06% | 18.57%-4.5pp | 31.81%-17.8pp | 41.64%-27.6pp |
| Employer contribution / active EE | $692 | $1,511-54.2% | $2,279-69.6% | $2,551-72.9% |
| Participant deferral / active EE | $1,216 | $3,081-60.5% | $4,048-70.0% | $4,139-70.6% |
| Admin fee / account holder | $1,021 | $6,500-84.3% | $8,703-88.3% | $7,234-85.9% |