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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 | $55,930-29.9% | $76,089-48.5% | $80,925-51.6% |
| Participation rate | 65.1% | 62.1%+3.0pp | 69.1%-4.0pp | 67.7%-2.6pp |
| Annual return | 40.81% | 20.58%+20.2pp | 360.94%-320.1pp | 35.65%+5.2pp |
| Employer contribution / active EE | $1,546 | $1,866-17.1% | $2,690-42.5% | $2,756-43.9% |
| Participant deferral / active EE | $3,184 | $3,051+4.4% | $4,259-25.3% | $4,299-25.9% |
| Admin fee / account holder | $2,131 | $5,241-59.3% | $6,418-66.8% | $6,940-69.3% |