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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 | $38,681 | $72,492-46.6% | $87,104-55.6% | $72,975-47.0% |
| Participation rate | 69.2% | 72.8%-3.6pp | 76.9%-7.6pp | 69.5%-0.3pp |
| Annual return | 21.19% | 24.46%-3.3pp | 28.19%-7.0pp | 81.01%-59.8pp |
| Employer contribution / active EE | $686 | $1,894-63.8% | $2,521-72.8% | $2,440-71.9% |
| Participant deferral / active EE | $2,064 | $3,270-36.9% | $4,048-49.0% | $3,608-42.8% |
| Admin fee / account holder | $4,595 | $5,055-9.1% | $7,491-38.7% | $5,124-10.3% |