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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 | $43,118 | $72,273-40.3% | $101,275-57.4% | $79,856-46.0% |
| Participation rate | 59.3% | 68.5%-9.2pp | 75.8%-16.5pp | 69.6%-10.3pp |
| Annual return | 12.58% | 22.30%-9.7pp | 46.48%-33.9pp | 31.71%-19.1pp |
| Employer contribution / active EE | $1,197 | $2,691-55.5% | $3,660-67.3% | $2,471-51.6% |
| Participant deferral / active EE | $3,244 | $3,282-1.2% | $4,371-25.8% | $3,741-13.3% |
| Admin fee / account holder | $5,664 | $4,401+28.7% | $5,948-4.8% | $5,306+6.7% |