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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 | $40,954 | $81,476-49.7% | $102,383-60.0% | $80,925-49.4% |
| Participation rate | 50.0% | 66.8%-16.8pp | 74.5%-24.5pp | 67.7%-17.7pp |
| Annual return | 16.28% | 25.59%-9.3pp | 24.94%-8.7pp | 35.65%-19.4pp |
| Employer contribution / active EE | $1,699 | $3,105-45.3% | $3,870-56.1% | $2,756-38.4% |
| Participant deferral / active EE | $3,420 | $3,871-11.6% | $5,060-32.4% | $4,299-20.4% |
| Admin fee / account holder | $319 | $6,717-95.2% | $8,391-96.2% | $6,940-95.4% |