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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 | $43,055 | $106,524-59.6% | $152,301-71.7% | $87,485-50.8% |
| Participation rate | 59.2% | 75.8%-16.6pp | 82.4%-23.3pp | 68.9%-9.7pp |
| Annual return | 22.74% | 26.89%-4.2pp | 80.50%-57.8pp | 26.06%-3.3pp |
| Employer contribution / active EE | $1,703 | $3,371-49.5% | $4,624-63.2% | $2,596-34.4% |
| Participant deferral / active EE | $4,661 | $6,525-28.6% | $8,004-41.8% | $4,274+9.1% |
| Admin fee / account holder | $2,593 | $8,287-68.7% | $14,398-82.0% | $7,775-66.6% |