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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 | $45,487 | $97,648-53.4% | $121,663-62.6% | $87,485-48.0% |
| Participation rate | 66.3% | 70.5%-4.2pp | 74.5%-8.2pp | 68.9%-2.6pp |
| Annual return | 13.46% | 18.03%-4.6pp | 147.54%-134.1pp | 26.06%-12.6pp |
| Employer contribution / active EE | $919 | $2,300-60.1% | $3,020-69.6% | $2,596-64.6% |
| Participant deferral / active EE | $3,400 | $3,923-13.3% | $4,887-30.4% | $4,274-20.4% |
| Admin fee / account holder | $4,692 | $11,100-57.7% | $14,289-67.2% | $7,775-39.6% |