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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 | $40,284 | $101,950-60.5% | $125,529-67.9% | $86,983-53.7% |
| Participation rate | 56.6% | 70.2%-13.6pp | 74.7%-18.1pp | 69.5%-12.9pp |
| Annual return | 25.77% | 18.29%+7.5pp | 202.56%-176.8pp | 25.83%-0.1pp |
| Employer contribution / active EE | $2,676 | $2,358+13.5% | $3,058-12.5% | $2,584+3.6% |
| Participant deferral / active EE | $5,031 | $3,862+30.3% | $4,813+4.5% | $4,194+20.0% |
| Admin fee / account holder | $2,711 | $12,791-78.8% | $16,298-83.4% | $7,856-65.5% |