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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 | $39,787 | $96,731-58.9% | $123,973-67.9% | $86,983-54.3% |
| Participation rate | 55.4% | 70.0%-14.7pp | 76.7%-21.3pp | 69.5%-14.2pp |
| Annual return | 18.31% | 17.33%+1.0pp | 388.13%-369.8pp | 25.83%-7.5pp |
| Employer contribution / active EE | $990 | $3,297-70.0% | $4,126-76.0% | $2,584-61.7% |
| Participant deferral / active EE | $4,004 | $4,152-3.6% | $5,247-23.7% | $4,194-4.5% |
| Admin fee / account holder | $534 | $8,722-93.9% | $11,799-95.5% | $7,856-93.2% |