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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 | $45,622 | $91,198-50.0% | $178,503-74.4% | $79,856-42.9% |
| Participation rate | 50.0% | 69.2%-19.2pp | 81.9%-31.9pp | 69.6%-19.6pp |
| Annual return | 20.69% | 24.20%-3.5pp | 151.12%-130.4pp | 31.71%-11.0pp |
| Employer contribution / active EE | $3,346 | $3,257+2.7% | $5,011-33.2% | $2,471+35.4% |
| Participant deferral / active EE | $4,528 | $3,237+39.9% | $5,202-13.0% | $3,741+21.1% |
| Admin fee / account holder | $5,232 | $6,748-22.5% | $13,987-62.6% | $5,306-1.4% |