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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 | $40,295 | $86,701-53.5% | $73,309-45.0% | $125,389-67.9% |
| Participation rate | 66.7% | 78.6%-11.9pp | 74.9%-8.2pp | 83.2%-16.5pp |
| Annual return | 46.72% | 2.78%+43.9pp | 5.67%+41.0pp | 282.24%-235.5pp |
| Employer contribution / active EE | $2,708 | $4,152-34.8% | $3,237-16.4% | $4,866-44.4% |
| Participant deferral / active EE | $5,239 | $5,549-5.6% | $4,991+5.0% | $5,352-2.1% |
| Admin fee / account holder | $2,304 | $7,768-70.3% | $5,635-59.1% | $9,541-75.8% |