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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 | $52,854 | $63,809-17.2% | $81,353-35.0% | $80,935-34.7% |
| Participation rate | 49.5% | 63.9%-14.5pp | 69.5%-20.1pp | 67.7%-18.2pp |
| Annual return | 12.44% | 16.37%-3.9pp | 24.82%-12.4pp | 35.66%-23.2pp |
| Employer contribution / active EE | $1,321 | $1,981-33.3% | $2,464-46.4% | $2,757-52.1% |
| Participant deferral / active EE | $3,337 | $3,093+7.9% | $3,885-14.1% | $4,299-22.4% |
| Admin fee / account holder | $1,351 | $5,686-76.2% | $5,766-76.6% | $6,924-80.5% |