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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 | $39,025 | $65,364-40.3% | $92,909-58.0% | $72,975-46.5% |
| Participation rate | 61.0% | 68.3%-7.3pp | 76.0%-15.0pp | 69.5%-8.5pp |
| Annual return | 18.26% | 42.11%-23.8pp | 109.44%-91.2pp | 81.01%-62.8pp |
| Employer contribution / active EE | $4,606 | $2,594+77.5% | $3,653+26.1% | $2,440+88.8% |
| Participant deferral / active EE | $3,606 | $3,128+15.3% | $4,238-14.9% | $3,6080% |
| Admin fee / account holder | $3,807 | $4,251-10.5% | $5,795-34.3% | $5,124-25.7% |