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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 | $40,056 | $63,365-36.8% | $91,994-56.5% | $72,975-45.1% |
| Participation rate | 55.8% | 72.5%-16.7pp | 78.6%-22.9pp | 69.5%-13.7pp |
| Annual return | 29.87% | 35.35%-5.5pp | 69.04%-39.2pp | 81.01%-51.1pp |
| Employer contribution / active EE | $1,197 | $2,116-43.4% | $3,453-65.3% | $2,440-50.9% |
| Participant deferral / active EE | $4,251 | $4,883-13.0% | $5,924-28.2% | $3,608+17.8% |
| Admin fee / account holder | $1,643 | $4,670-64.8% | $7,744-78.8% | $5,124-67.9% |