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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 | $39,842 | $89,367-55.4% | $141,191-71.8% | $72,975-45.4% |
| Participation rate | 56.7% | 75.1%-18.4pp | 82.5%-25.8pp | 69.5%-12.8pp |
| Annual return | 31.94% | 111.87%-79.9pp | 71.41%-39.5pp | 81.01%-49.1pp |
| Employer contribution / active EE | $1,081 | $3,115-65.3% | $4,736-77.2% | $2,440-55.7% |
| Participant deferral / active EE | $4,394 | $5,419-18.9% | $6,710-34.5% | $3,608+21.8% |
| Admin fee / account holder | $8,475 | $5,957+42.3% | $10,264-17.4% | $5,124+65.4% |