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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 | $45,605 | $86,940-47.5% | $102,434-55.5% | $80,935-43.7% |
| Participation rate | 56.3% | 72.4%-16.1pp | 76.5%-20.3pp | 67.7%-11.4pp |
| Annual return | 59.63% | 18.89%+40.7pp | 29.46%+30.2pp | 35.66%+24.0pp |
| Employer contribution / active EE | $1,141 | $2,370-51.8% | $3,023-62.2% | $2,757-58.6% |
| Participant deferral / active EE | $2,282 | $4,121-44.6% | $5,055-54.9% | $4,299-46.9% |
| Admin fee / account holder | $9,317 | $8,047+15.8% | $9,462-1.5% | $6,924+34.6% |