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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 | $42,386 | $57,590-26.4% | $86,233-50.8% | $82,448-48.6% |
| Participation rate | 69.6% | 57.9%+11.8pp | 69.0%+0.6pp | 68.1%+1.6pp |
| Annual return | 13.86% | 22.41%-8.6pp | 61.39%-47.5pp | 41.64%-27.8pp |
| Employer contribution / active EE | $651 | $1,655-60.7% | $2,504-74.0% | $2,551-74.5% |
| Participant deferral / active EE | $2,131 | $3,080-30.8% | $4,559-53.3% | $4,139-48.5% |
| Admin fee / account holder | $1,036 | $4,730-78.1% | $8,342-87.6% | $7,234-85.7% |