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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 | $46,894 | $93,617-49.9% | $135,982-65.5% | $75,177-37.6% |
| Participation rate | 58.5% | 75.2%-16.7pp | 81.9%-23.4pp | 67.2%-8.7pp |
| Annual return | 27.27% | 30.89%-3.6pp | 68.32%-41.1pp | 160.75%-133.5pp |
| Employer contribution / active EE | $4,547 | $3,538+28.5% | $4,859-6.4% | $2,671+70.2% |
| Participant deferral / active EE | $9,556 | $6,406+49.2% | $7,760+23.1% | $4,126+131.6% |
| Admin fee / account holder | $4,089 | $6,980-41.4% | $10,767-62.0% | $5,651-27.6% |