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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 | $39,194 | $55,902-29.9% | $76,030-48.4% | $80,959-51.6% |
| Participation rate | 65.1% | 62.1%+3.0pp | 69.1%-4.0pp | 67.7%-2.6pp |
| Annual return | 40.81% | 20.59%+20.2pp | 361.54%-320.7pp | 35.67%+5.1pp |
| Employer contribution / active EE | $1,546 | $1,867-17.2% | $2,688-42.5% | $2,757-43.9% |
| Participant deferral / active EE | $3,184 | $3,051+4.4% | $4,257-25.2% | $4,300-26.0% |
| Admin fee / account holder | $2,131 | $5,239-59.3% | $6,421-66.8% | $6,925-69.2% |