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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 | $39,036 | $56,054-30.4% | $171,082-77.2% | $62,881-37.9% |
| Participation rate | 59.6% | 62.9%-3.3pp | 76.7%-17.1pp | 69.3%-9.8pp |
| Annual return | 5.99% | 22.52%-16.5pp | 32.56%-26.6pp | 20.14%-14.2pp |
| Employer contribution / active EE | $780 | $1,731-54.9% | $4,002-80.5% | $2,281-65.8% |
| Participant deferral / active EE | $1,692 | $3,158-46.4% | $4,797-64.7% | $3,203-47.2% |
| Admin fee / account holder | $1,485 | $3,647-59.3% | $8,520-82.6% | $4,296-65.4% |