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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 | $45,610 | $58,828-22.5% | $78,002-41.5% | $62,881-27.5% |
| Participation rate | 69.7% | 71.1%-1.4pp | 75.5%-5.8pp | 69.3%+0.4pp |
| Annual return | 10.30% | 17.16%-6.9pp | 425.99%-415.7pp | 20.14%-9.8pp |
| Employer contribution / active EE | $722 | $1,672-56.8% | $2,470-70.8% | $2,281-68.3% |
| Participant deferral / active EE | $2,744 | $2,686+2.2% | $3,497-21.5% | $3,203-14.3% |
| Admin fee / account holder | $4,660 | $4,393+6.1% | $5,481-15.0% | $4,296+8.5% |