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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 | $41,927 | $72,486-42.2% | $87,103-51.9% | $72,976-42.5% |
| Participation rate | 63.2% | 72.8%-9.6pp | 76.9%-13.6pp | 69.5%-6.3pp |
| Annual return | 25.81% | 24.46%+1.4pp | 28.19%-2.4pp | 81.02%-55.2pp |
| Employer contribution / active EE | $606 | $1,894-68.0% | $2,521-76.0% | $2,440-75.1% |
| Participant deferral / active EE | $1,755 | $3,270-46.3% | $4,049-56.7% | $3,608-51.4% |
| Admin fee / account holder | $7,331 | $5,055+45.0% | $7,491-2.1% | $5,124+43.1% |