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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 | $64,746 | $67,602-4.2% | $82,312-21.3% | $70,126-7.7% |
| Participation rate | 56.1% | 72.8%-16.7pp | 76.9%-20.8pp | 69.5%-13.4pp |
| Annual return | 15.73% | 21.57%-5.8pp | 25.88%-10.2pp | 73.15%-57.4pp |
| Employer contribution / active EE | $366 | $1,755-79.1% | $2,428-84.9% | $2,343-84.4% |
| Participant deferral / active EE | $2,032 | $2,987-32.0% | $3,706-45.2% | $3,332-39.0% |
| Admin fee / account holder | $367 | $4,512-91.9% | $5,608-93.5% | $4,645-92.1% |