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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 | $35,334 | $98,766-64.2% | $149,730-76.4% | $79,852-55.7% |
| Participation rate | 63.5% | 75.8%-12.3pp | 82.5%-19.0pp | 69.6%-6.2pp |
| Annual return | 19.75% | 27.43%-7.7pp | 276.70%-256.9pp | 31.72%-12.0pp |
| Employer contribution / active EE | $1,396 | $3,217-56.6% | $4,645-69.9% | $2,471-43.5% |
| Participant deferral / active EE | $5,756 | $5,681+1.3% | $6,843-15.9% | $3,740+53.9% |
| Admin fee / account holder | $1,725 | $6,052-71.5% | $9,310-81.5% | $5,306-67.5% |