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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 | $45,225 | $98,776-54.2% | $149,745-69.8% | $79,856-43.4% |
| Participation rate | 57.3% | 75.8%-18.5pp | 82.5%-25.2pp | 69.6%-12.3pp |
| Annual return | 32.58% | 27.38%+5.2pp | 276.72%-244.1pp | 31.71%+0.9pp |
| Employer contribution / active EE | $3,629 | $3,217+12.8% | $4,646-21.9% | $2,471+46.9% |
| Participant deferral / active EE | $5,428 | $5,681-4.5% | $6,843-20.7% | $3,741+45.1% |
| Admin fee / account holder | $3,411 | $6,053-43.6% | $9,312-63.4% | $5,306-35.7% |