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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 | $38,895 | $56,544-31.2% | $75,501-48.5% | $70,126-44.5% |
| Participation rate | 65.9% | 68.1%-2.2pp | 72.4%-6.4pp | 69.5%-3.6pp |
| Annual return | 20.85% | 23.59%-2.7pp | 27.35%-6.5pp | 73.15%-52.3pp |
| Employer contribution / active EE | $1,814 | $1,817-0.2% | $2,352-22.9% | $2,343-22.6% |
| Participant deferral / active EE | $1,851 | $2,580-28.3% | $3,142-41.1% | $3,332-44.4% |
| Admin fee / account holder | $489 | $3,827-87.2% | $5,801-91.6% | $4,645-89.5% |