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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 | $44,090 | $61,125-27.9% | $94,057-53.1% | $87,485-49.6% |
| Participation rate | 54.7% | 64.1%-9.4pp | 73.3%-18.7pp | 68.9%-14.3pp |
| Annual return | 13.91% | 35.20%-21.3pp | 480.62%-466.7pp | 26.06%-12.2pp |
| Employer contribution / active EE | $439 | $2,136-79.5% | $2,933-85.0% | $2,596-83.1% |
| Participant deferral / active EE | $4,132 | $3,260+26.7% | $4,709-12.3% | $4,274-3.3% |
| Admin fee / account holder | $4,283 | $5,629-23.9% | $7,244-40.9% | $7,775-44.9% |