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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 | $39,831 | $78,428-49.2% | $95,960-58.5% | $79,852-50.1% |
| Participation rate | 61.5% | 73.5%-12.0pp | 77.1%-15.5pp | 69.6%-8.1pp |
| Annual return | 20.08% | 19.37%+0.7pp | 91.63%-71.6pp | 31.72%-11.6pp |
| Employer contribution / active EE | $2,076 | $1,945+6.7% | $2,541-18.3% | $2,471-16.0% |
| Participant deferral / active EE | $4,363 | $3,440+26.8% | $4,167+4.7% | $3,740+16.6% |
| Admin fee / account holder | $2,799 | $5,622-50.2% | $6,797-58.8% | $5,306-47.3% |