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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 | $41,031 | $58,493-29.9% | $84,023-51.2% | $72,976-43.8% |
| Participation rate | 52.8% | 61.2%-8.5pp | 69.0%-16.2pp | 69.5%-16.7pp |
| Annual return | 48.95% | 28.93%+20.0pp | 71.32%-22.4pp | 81.02%-32.1pp |
| Employer contribution / active EE | $1,492 | $1,163+28.3% | $1,984-24.8% | $2,440-38.9% |
| Participant deferral / active EE | $3,304 | $2,394+38.0% | $3,239+2.0% | $3,608-8.4% |
| Admin fee / account holder | $1,632 | $4,569-64.3% | $6,102-73.3% | $5,124-68.2% |