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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 | $46,321 | $117,895-60.7% | $102,460-54.8% | $145,897-68.3% |
| Participation rate | 56.3% | 78.6%-22.4pp | 76.5%-20.3pp | 80.3%-24.1pp |
| Annual return | 10.31% | 31.92%-21.6pp | 29.47%-19.2pp | 552.29%-542.0pp |
| Employer contribution / active EE | $5,736 | $3,619+58.5% | $3,025+89.6% | $4,663+23.0% |
| Participant deferral / active EE | $9,579 | $5,736+67.0% | $5,056+89.4% | $6,689+43.2% |
| Admin fee / account holder | $9,070 | $13,353-32.1% | $9,460-4.1% | $13,390-32.3% |