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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 | $55,845 | $76,371-26.9% | $93,621-40.3% | $72,976-23.5% |
| Participation rate | 52.8% | 71.8%-18.9pp | 75.8%-23.0pp | 69.5%-16.7pp |
| Annual return | 25.90% | 25.82%+0.1pp | 32.76%-6.9pp | 81.02%-55.1pp |
| Employer contribution / active EE | $1,505 | $2,276-33.9% | $2,719-44.7% | $2,440-38.3% |
| Participant deferral / active EE | $2,371 | $3,538-33.0% | $4,070-41.7% | $3,608-34.3% |
| Admin fee / account holder | $807 | $6,839-88.2% | $7,890-89.8% | $5,124-84.2% |