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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 | $41,463 | $48,284-14.1% | $67,524-38.6% | $80,911-48.8% |
| Participation rate | 59.2% | 66.4%-7.2pp | 72.9%-13.7pp | 67.6%-8.5pp |
| Annual return | 16.06% | 18.27%-2.2pp | 3519.41%-3503.4pp | 35.63%-19.6pp |
| Employer contribution / active EE | $1,964 | $2,021-2.8% | $2,734-28.2% | $2,756-28.7% |
| Participant deferral / active EE | $3,729 | $2,927+27.4% | $4,001-6.8% | $4,297-13.2% |
| Admin fee / account holder | $35,557 | $3,688+864.1% | $4,001+788.8% | $6,935+412.7% |