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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 | $40,092 | $106,749-62.4% | $145,433-72.4% | $82,448-51.4% |
| Participation rate | 65.5% | 75.6%-10.2pp | 82.1%-16.7pp | 68.1%-2.6pp |
| Annual return | 34.34% | 27.59%+6.7pp | 66.58%-32.2pp | 41.64%-7.3pp |
| Employer contribution / active EE | $2,164 | $3,444-37.2% | $4,554-52.5% | $2,551-15.2% |
| Participant deferral / active EE | $4,337 | $6,519-33.5% | $7,897-45.1% | $4,139+4.8% |
| Admin fee / account holder | $776 | $8,390-90.7% | $13,129-94.1% | $7,234-89.3% |