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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 | $40,570 | $99,345-59.2% | $84,753-52.1% | $273,972-85.2% |
| Participation rate | 61.5% | 80.7%-19.2pp | 76.6%-15.1pp | 83.0%-21.5pp |
| Annual return | 4.88% | 22.93%-18.0pp | 22.78%-17.9pp | 41.46%-36.6pp |
| Employer contribution / active EE | $3,586 | $4,214-14.9% | $3,574+0.3% | $4,869-26.3% |
| Participant deferral / active EE | $4,177 | $4,270-2.2% | $3,712+12.5% | $5,287-21.0% |
| Admin fee / account holder | $831 | $6,645-87.5% | $5,333-84.4% | $10,133-91.8% |