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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 | $57,894 | $106,749-45.8% | $145,433-60.2% | $82,448-29.8% |
| Participation rate | 41.5% | 75.6%-34.2pp | 82.1%-40.7pp | 68.1%-26.6pp |
| Annual return | 27.94% | 27.59%+0.4pp | 66.58%-38.6pp | 41.64%-13.7pp |
| Employer contribution / active EE | $1,042 | $3,444-69.7% | $4,554-77.1% | $2,551-59.1% |
| Participant deferral / active EE | $3,306 | $6,519-49.3% | $7,897-58.1% | $4,139-20.1% |
| Admin fee / account holder | $4,756 | $8,390-43.3% | $13,129-63.8% | $7,234-34.3% |