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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 | $43,022 | $76,834-44.0% | $108,359-60.3% | $87,485-50.8% |
| Participation rate | 56.5% | 61.7%-5.3pp | 70.1%-13.7pp | 68.9%-12.5pp |
| Annual return | 26.78% | 19.09%+7.7pp | 36.89%-10.1pp | 26.06%+0.7pp |
| Employer contribution / active EE | $399 | $1,556-74.3% | $2,399-83.4% | $2,596-84.6% |
| Participant deferral / active EE | $2,372 | $3,100-23.5% | $4,137-42.7% | $4,274-44.5% |
| Admin fee / account holder | $2,993 | $6,537-54.2% | $9,741-69.3% | $7,775-61.5% |