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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 | $40,846 | $81,276-49.7% | $155,574-73.7% | $80,925-49.5% |
| Participation rate | 55.6% | 66.2%-10.7pp | 78.2%-22.7pp | 67.7%-12.1pp |
| Annual return | 12.79% | 33.36%-20.6pp | 64.87%-52.1pp | 35.65%-22.9pp |
| Employer contribution / active EE | $1,153 | $3,103-62.8% | $4,676-75.3% | $2,756-58.2% |
| Participant deferral / active EE | $5,963 | $3,453+72.7% | $5,629+5.9% | $4,299+38.7% |
| Admin fee / account holder | $462 | $7,993-94.2% | $15,914-97.1% | $6,940-93.3% |