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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 | $41,683 | $65,364-36.2% | $92,909-55.1% | $72,975-42.9% |
| Participation rate | 48.7% | 68.3%-19.6pp | 76.0%-27.3pp | 69.5%-20.8pp |
| Annual return | 26.71% | 42.11%-15.4pp | 109.44%-82.7pp | 81.01%-54.3pp |
| Employer contribution / active EE | $1,196 | $2,594-53.9% | $3,653-67.3% | $2,440-51.0% |
| Participant deferral / active EE | $3,147 | $3,128+0.6% | $4,238-25.7% | $3,608-12.8% |
| Admin fee / account holder | $417 | $4,251-90.2% | $5,795-92.8% | $5,124-91.9% |