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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 | $27,154 | $63,355-57.1% | $91,994-70.5% | $72,983-62.8% |
| Participation rate | 55.7% | 72.5%-16.8pp | 78.6%-22.9pp | 69.5%-13.8pp |
| Annual return | 41.70% | 35.35%+6.4pp | 69.03%-27.3pp | 81.01%-39.3pp |
| Employer contribution / active EE | $1,669 | $2,116-21.1% | $3,452-51.7% | $2,440-31.6% |
| Participant deferral / active EE | $4,741 | $4,883-2.9% | $5,923-20.0% | $3,608+31.4% |
| Admin fee / account holder | $949 | $4,668-79.7% | $7,743-87.7% | $5,124-81.5% |