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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 | $54,687 | $89,367-38.8% | $141,191-61.3% | $72,975-25.1% |
| Participation rate | 55.3% | 75.1%-19.9pp | 82.5%-27.2pp | 69.5%-14.2pp |
| Annual return | 24.52% | 111.87%-87.3pp | 71.41%-46.9pp | 81.01%-56.5pp |
| Employer contribution / active EE | $1,649 | $3,115-47.1% | $4,736-65.2% | $2,440-32.4% |
| Participant deferral / active EE | $4,742 | $5,419-12.5% | $6,710-29.3% | $3,608+31.4% |
| Admin fee / account holder | $1,775 | $5,957-70.2% | $10,264-82.7% | $5,124-65.4% |