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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 | $107,421-59.9% | $182,262-76.4% | $94,015-54.2% |
| Participation rate | 59.2% | 77.8%-18.6pp | 84.2%-25.0pp | 70.8%-11.6pp |
| Annual return | 22.74% | 21.32%+1.4pp | 140.60%-117.9pp | 17.84%+4.9pp |
| Employer contribution / active EE | $1,703 | $3,448-50.6% | $5,046-66.2% | $2,790-38.9% |
| Participant deferral / active EE | $4,661 | $6,558-28.9% | $8,276-43.7% | $4,249+9.7% |
| Admin fee / account holder | $2,593 | $8,692-70.2% | $16,712-84.5% | $8,951-71.0% |