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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 | $48,327-14.2% | $67,575-38.6% | $80,935-48.8% |
| Participation rate | 59.2% | 66.4%-7.2pp | 72.9%-13.7pp | 67.7%-8.5pp |
| Annual return | 16.06% | 18.31%-2.3pp | 3528.98%-3512.9pp | 35.66%-19.6pp |
| Employer contribution / active EE | $1,964 | $2,022-2.9% | $2,736-28.2% | $2,757-28.8% |
| Participant deferral / active EE | $3,729 | $2,927+27.4% | $4,003-6.8% | $4,299-13.3% |
| Admin fee / account holder | $35,557 | $3,692+863.0% | $3,993+790.5% | $6,924+413.5% |