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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 | $42,004 | $117,846-64.4% | $102,434-59.0% | $145,884-71.2% |
| Participation rate | 60.0% | 78.6%-18.6pp | 76.5%-16.5pp | 80.3%-20.3pp |
| Annual return | 9.82% | 31.90%-22.1pp | 29.46%-19.6pp | 551.85%-542.0pp |
| Employer contribution / active EE | $1,809 | $3,615-49.9% | $3,023-40.2% | $4,662-61.2% |
| Participant deferral / active EE | $4,194 | $5,733-26.9% | $5,055-17.0% | $6,690-37.3% |
| Admin fee / account holder | $465 | $13,356-96.5% | $9,462-95.1% | $13,392-96.5% |