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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 | $56,428 | $51,207+10.2% | $70,565-20.0% | $71,529-21.1% |
| Participation rate | 41.4% | 59.4%-17.9pp | 68.4%-26.9pp | 67.9%-26.5pp |
| Annual return | 14.89% | 42.71%-27.8pp | 32.79%-17.9pp | 28.97%-14.1pp |
| Employer contribution / active EE | $756 | $1,795-57.9% | $2,976-74.6% | $2,590-70.8% |
| Participant deferral / active EE | $1,596 | $3,033-47.4% | $4,568-65.1% | $4,291-62.8% |
| Admin fee / account holder | $2,813 | $2,002+40.5% | $6,430-56.3% | $1,588+77.1% |