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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 | $41,967 | $81,262-48.4% | $155,602-73.0% | $80,911-48.1% |
| Participation rate | 64.9% | 66.2%-1.4pp | 78.2%-13.3pp | 67.6%-2.8pp |
| Annual return | 13.86% | 33.34%-19.5pp | 64.81%-50.9pp | 35.63%-21.8pp |
| Employer contribution / active EE | $1,196 | $3,102-61.5% | $4,675-74.4% | $2,756-56.6% |
| Participant deferral / active EE | $1,853 | $3,451-46.3% | $5,629-67.1% | $4,297-56.9% |
| Admin fee / account holder | $2,938 | $7,992-63.2% | $15,923-81.5% | $6,935-57.6% |