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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 | $41,467 | $72,027-42.4% | $185,835-77.7% | $79,852-48.1% |
| Participation rate | 54.8% | 65.8%-11.0pp | 78.0%-23.3pp | 69.6%-14.9pp |
| Annual return | 13.59% | 23.13%-9.5pp | 35.96%-22.4pp | 31.72%-18.1pp |
| Employer contribution / active EE | $1,276 | $1,965-35.1% | $4,087-68.8% | $2,471-48.3% |
| Participant deferral / active EE | $2,471 | $3,780-34.6% | $5,633-56.1% | $3,740-33.9% |
| Admin fee / account holder | $4,832 | $4,513+7.1% | $9,502-49.1% | $5,306-8.9% |