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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 | $64,548 | $77,574-16.8% | $108,753-40.6% | $86,983-25.8% |
| Participation rate | 45.3% | 62.3%-17.0pp | 71.1%-25.8pp | 69.5%-24.2pp |
| Annual return | 12.15% | 18.42%-6.3pp | 37.47%-25.3pp | 25.83%-13.7pp |
| Employer contribution / active EE | $396 | $1,611-75.4% | $2,427-83.7% | $2,584-84.7% |
| Participant deferral / active EE | $1,675 | $3,128-46.5% | $4,115-59.3% | $4,194-60.1% |
| Admin fee / account holder | $991 | $6,529-84.8% | $10,320-90.4% | $7,856-87.4% |