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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 | $27,889 | $62,672-55.5% | $185,117-84.9% | $70,126-60.2% |
| Participation rate | 48.0% | 63.8%-15.8pp | 77.3%-29.3pp | 69.5%-21.5pp |
| Annual return | 15.32% | 40.79%-25.5pp | 40.50%-25.2pp | 73.15%-57.8pp |
| Employer contribution / active EE | $965 | $1,753-44.9% | $4,182-76.9% | $2,343-58.8% |
| Participant deferral / active EE | $3,089 | $3,272-5.6% | $5,045-38.8% | $3,332-7.3% |
| Admin fee / account holder | $3,878 | $3,932-1.4% | $8,159-52.5% | $4,645-16.5% |