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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 | $40,421 | $65,395-38.2% | $182,558-77.9% | $72,976-44.6% |
| Participation rate | 46.7% | 65.4%-18.8pp | 78.0%-31.3pp | 69.5%-22.8pp |
| Annual return | 24.74% | 27.68%-2.9pp | 148.59%-123.8pp | 81.02%-56.3pp |
| Employer contribution / active EE | $925 | $1,911-51.6% | $4,076-77.3% | $2,440-62.1% |
| Participant deferral / active EE | $3,611 | $3,563+1.3% | $5,526-34.7% | $3,608+0.1% |
| Admin fee / account holder | $5,821 | $4,245+37.1% | $8,594-32.3% | $5,124+13.6% |