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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 | $43,884 | $65,364-32.9% | $92,909-52.8% | $72,975-39.9% |
| Participation rate | 63.3% | 68.3%-5.0pp | 76.0%-12.7pp | 69.5%-6.2pp |
| Annual return | 18.05% | 42.11%-24.1pp | 109.44%-91.4pp | 81.01%-63.0pp |
| Employer contribution / active EE | $1,415 | $2,594-45.4% | $3,653-61.3% | $2,440-42.0% |
| Participant deferral / active EE | $2,229 | $3,128-28.8% | $4,238-47.4% | $3,608-38.2% |
| Admin fee / account holder | $4,504 | $4,251+5.9% | $5,795-22.3% | $5,124-12.1% |