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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 | $41,367 | $67,606-38.8% | $82,313-49.7% | $70,124-41.0% |
| Participation rate | 48.4% | 72.8%-24.4pp | 76.9%-28.5pp | 69.5%-21.2pp |
| Annual return | 22.63% | 21.57%+1.1pp | 25.88%-3.2pp | 73.14%-50.5pp |
| Employer contribution / active EE | $1,319 | $1,755-24.9% | $2,428-45.7% | $2,342-43.7% |
| Participant deferral / active EE | $3,908 | $2,987+30.8% | $3,706+5.4% | $3,332+17.3% |
| Admin fee / account holder | $446 | $4,512-90.1% | $5,608-92.0% | $4,645-90.4% |