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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 | $55,101 | $55,684-1.0% | $75,900-27.4% | $72,976-24.5% |
| Participation rate | 35.4% | 61.1%-25.8pp | 69.3%-33.9pp | 69.5%-34.1pp |
| Annual return | 26.41% | 27.60%-1.2pp | 30.73%-4.3pp | 81.02%-54.6pp |
| Employer contribution / active EE | $634 | $1,687-62.4% | $2,501-74.7% | $2,440-74.0% |
| Participant deferral / active EE | $1,227 | $2,634-53.4% | $3,604-66.0% | $3,608-66.0% |
| Admin fee / account holder | $2,640 | $3,981-33.7% | $5,421-51.3% | $5,124-48.5% |