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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 | $41,591 | $48,364-14.0% | $71,796-42.1% | $62,881-33.9% |
| Participation rate | 69.2% | 60.6%+8.6pp | 69.1%+0.1pp | 69.3%-0.1pp |
| Annual return | 6.69% | 13.16%-6.5pp | 78.04%-71.4pp | 20.14%-13.5pp |
| Employer contribution / active EE | $1,381 | $1,042+32.6% | $1,924-28.2% | $2,281-39.4% |
| Participant deferral / active EE | $2,621 | $2,091+25.3% | $2,794-6.2% | $3,203-18.2% |
| Admin fee / account holder | $644 | $3,771-82.9% | $4,815-86.6% | $4,296-85.0% |