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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 | $44,045 | $58,627-24.9% | $76,735-42.6% | $82,448-46.6% |
| Participation rate | 61.3% | 63.2%-1.9pp | 69.5%-8.2pp | 68.1%-6.8pp |
| Annual return | 13.54% | 39.10%-25.6pp | 29.77%-16.2pp | 41.64%-28.1pp |
| Employer contribution / active EE | $409 | $1,729-76.3% | $2,454-83.3% | $2,551-84.0% |
| Participant deferral / active EE | $3,164 | $3,134+1.0% | $4,088-22.6% | $4,139-23.6% |
| Admin fee / account holder | $1,471 | $5,323-72.4% | $7,189-79.5% | $7,234-79.7% |