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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 | $40,529 | $71,230-43.1% | $93,727-56.8% | $80,959-49.9% |
| Participation rate | 64.3% | 60.4%+3.9pp | 68.7%-4.4pp | 67.7%-3.4pp |
| Annual return | 11.17% | 11.26%-0.1pp | 133.83%-122.7pp | 35.67%-24.5pp |
| Employer contribution / active EE | $706 | $1,565-54.9% | $2,421-70.8% | $2,757-74.4% |
| Participant deferral / active EE | $2,669 | $4,037-33.9% | $4,417-39.6% | $4,300-37.9% |
| Admin fee / account holder | $1,962 | $6,961-71.8% | $8,292-76.3% | $6,925-71.7% |