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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 | $37,114 | $60,349-38.5% | $74,184-50.0% | $62,881-41.0% |
| Participation rate | 64.3% | 72.7%-8.4pp | 76.6%-12.3pp | 69.3%-5.0pp |
| Annual return | 5.94% | 21.38%-15.4pp | 17.74%-11.8pp | 20.14%-14.2pp |
| Employer contribution / active EE | $958 | $1,680-43.0% | $2,370-59.6% | $2,281-58.0% |
| Participant deferral / active EE | $2,458 | $2,856-13.9% | $3,550-30.8% | $3,203-23.3% |
| Admin fee / account holder | $2,192 | $4,261-48.6% | $5,586-60.8% | $4,296-49.0% |