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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 | $39,462 | $83,485-52.7% | $125,192-68.5% | $72,975-45.9% |
| Participation rate | 56.9% | 73.3%-16.4pp | 79.8%-22.9pp | 69.5%-12.6pp |
| Annual return | 26.44% | 25.77%+0.7pp | 43.79%-17.3pp | 81.01%-54.6pp |
| Employer contribution / active EE | $1,390 | $2,346-40.7% | $3,866-64.0% | $2,440-43.0% |
| Participant deferral / active EE | $2,841 | $3,586-20.8% | $4,937-42.5% | $3,608-21.3% |
| Admin fee / account holder | $623 | $5,518-88.7% | $9,704-93.6% | $5,124-87.8% |