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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 | $44,999 | $100,194-55.1% | $122,979-63.4% | $86,983-48.3% |
| Participation rate | 66.0% | 73.0%-7.0pp | 77.2%-11.2pp | 69.5%-3.5pp |
| Annual return | 14.43% | 16.47%-2.0pp | 20.12%-5.7pp | 25.83%-11.4pp |
| Employer contribution / active EE | $698 | $2,326-70.0% | $3,062-77.2% | $2,584-73.0% |
| Participant deferral / active EE | $1,992 | $4,133-51.8% | $5,003-60.2% | $4,194-52.5% |
| Admin fee / account holder | $5,582 | $10,148-45.0% | $12,864-56.6% | $7,856-28.9% |