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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 | $40,346 | $78,423-48.6% | $95,964-58.0% | $79,856-49.5% |
| Participation rate | 65.7% | 73.5%-7.8pp | 77.1%-11.4pp | 69.6%-3.9pp |
| Annual return | 14.03% | 19.37%-5.3pp | 91.64%-77.6pp | 31.71%-17.7pp |
| Employer contribution / active EE | $728 | $1,945-62.6% | $2,541-71.4% | $2,471-70.6% |
| Participant deferral / active EE | $2,569 | $3,440-25.3% | $4,167-38.3% | $3,741-31.3% |
| Admin fee / account holder | $3,795 | $5,622-32.5% | $6,797-44.2% | $5,306-28.5% |