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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 | $41,985 | $57,073-26.4% | $85,126-50.7% | $80,925-48.1% |
| Participation rate | 61.3% | 56.4%+4.9pp | 67.5%-6.2pp | 67.7%-6.4pp |
| Annual return | 16.27% | 21.69%-5.4pp | 66.63%-50.4pp | 35.65%-19.4pp |
| Employer contribution / active EE | $1,498 | $1,801-16.8% | $2,731-45.2% | $2,756-45.7% |
| Participant deferral / active EE | $4,347 | $3,113+39.6% | $4,523-3.9% | $4,299+1.1% |
| Admin fee / account holder | $396 | $4,988-92.1% | $6,160-93.6% | $6,940-94.3% |