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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 | $40,304 | $80,992-50.2% | $96,534-58.2% | $75,173-46.4% |
| Participation rate | 68.1% | 71.8%-3.7pp | 76.0%-7.9pp | 67.2%+0.9pp |
| Annual return | 14.36% | 27.05%-12.7pp | 25.88%-11.5pp | 160.72%-146.4pp |
| Employer contribution / active EE | $971 | $2,283-57.5% | $2,965-67.3% | $2,671-63.7% |
| Participant deferral / active EE | $2,194 | $3,929-44.2% | $4,851-54.8% | $4,126-46.8% |
| Admin fee / account holder | $5,310 | $6,717-20.9% | $8,253-35.7% | $5,651-6.0% |