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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 | $32,581 | $76,407-57.4% | $150,298-78.3% | $82,448-60.5% |
| Participation rate | 57.1% | 66.4%-9.3pp | 77.8%-20.6pp | 68.1%-10.9pp |
| Annual return | 21.73% | 39.99%-18.3pp | 62.79%-41.1pp | 41.64%-19.9pp |
| Employer contribution / active EE | $1,241 | $2,614-52.5% | $4,154-70.1% | $2,551-51.4% |
| Participant deferral / active EE | $3,627 | $3,214+12.8% | $5,453-33.5% | $4,139-12.4% |
| Admin fee / account holder | $315 | $6,352-95.0% | $14,116-97.8% | $7,234-95.6% |