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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 | $46,718 | $83,485-44.0% | $125,195-62.7% | $72,976-36.0% |
| Participation rate | 42.9% | 73.3%-30.4pp | 79.8%-36.9pp | 69.5%-26.6pp |
| Annual return | 30.14% | 25.77%+4.4pp | 43.79%-13.6pp | 81.02%-50.9pp |
| Employer contribution / active EE | $1,288 | $2,346-45.1% | $3,866-66.7% | $2,440-47.2% |
| Participant deferral / active EE | $3,178 | $3,586-11.4% | $4,937-35.6% | $3,608-11.9% |
| Admin fee / account holder | $597 | $5,518-89.2% | $9,704-93.8% | $5,124-88.3% |