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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 | $37,898 | $67,602-43.9% | $82,312-54.0% | $70,126-46.0% |
| Participation rate | 42.0% | 72.8%-30.8pp | 76.9%-34.9pp | 69.5%-27.5pp |
| Annual return | 21.29% | 21.57%-0.3pp | 25.88%-4.6pp | 73.15%-51.9pp |
| Employer contribution / active EE | $1,130 | $1,755-35.6% | $2,428-53.5% | $2,343-51.8% |
| Participant deferral / active EE | $5,941 | $2,987+98.9% | $3,706+60.3% | $3,332+78.3% |
| Admin fee / account holder | $1,650 | $4,512-63.4% | $5,608-70.6% | $4,645-64.5% |