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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 | $42,362 | $78,425-46.0% | $95,956-55.9% | $79,858-47.0% |
| Participation rate | 60.5% | 73.5%-13.0pp | 77.1%-16.6pp | 69.6%-9.1pp |
| Annual return | 41.53% | 19.37%+22.2pp | 91.63%-50.1pp | 31.72%+9.8pp |
| Employer contribution / active EE | $1,402 | $1,945-27.9% | $2,541-44.8% | $2,471-43.3% |
| Participant deferral / active EE | $3,207 | $3,440-6.8% | $4,167-23.0% | $3,740-14.2% |
| Admin fee / account holder | $621 | $5,622-89.0% | $6,797-90.9% | $5,306-88.3% |