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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 | $39,336 | $76,371-48.5% | $93,621-58.0% | $72,975-46.1% |
| Participation rate | 55.9% | 71.8%-15.9pp | 75.8%-20.0pp | 69.5%-13.6pp |
| Annual return | 24.64% | 25.82%-1.2pp | 32.76%-8.1pp | 81.01%-56.4pp |
| Employer contribution / active EE | $869 | $2,276-61.8% | $2,719-68.0% | $2,440-64.4% |
| Participant deferral / active EE | $3,252 | $3,538-8.1% | $4,070-20.1% | $3,608-9.9% |
| Admin fee / account holder | $1,245 | $6,839-81.8% | $7,890-84.2% | $5,124-75.7% |