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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 | $71,706 | $73,787-2.8% | $98,716-27.4% | $82,448-13.0% |
| Participation rate | 48.6% | 61.4%-12.8pp | 69.3%-20.7pp | 68.1%-19.5pp |
| Annual return | 18.45% | 18.57%-0.1pp | 31.81%-13.4pp | 41.64%-23.2pp |
| Employer contribution / active EE | $952 | $1,511-37.0% | $2,279-58.2% | $2,551-62.7% |
| Participant deferral / active EE | $2,208 | $3,081-28.3% | $4,048-45.4% | $4,139-46.7% |
| Admin fee / account holder | $876 | $6,500-86.5% | $8,703-89.9% | $7,234-87.9% |