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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 | $41,641 | $78,690-47.1% | $161,489-74.2% | $87,485-52.4% |
| Participation rate | 59.3% | 67.5%-8.2pp | 78.7%-19.4pp | 68.9%-9.6pp |
| Annual return | 15.50% | 32.74%-17.2pp | 89.72%-74.2pp | 26.06%-10.6pp |
| Employer contribution / active EE | $1,561 | $2,588-39.7% | $4,268-63.4% | $2,596-39.9% |
| Participant deferral / active EE | $2,896 | $3,311-12.5% | $5,630-48.6% | $4,274-32.2% |
| Admin fee / account holder | $4,796 | $6,724-28.7% | $16,006-70.0% | $7,775-38.3% |