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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 | $45,135 | $45,109+0.1% | $85,187-47.0% | $77,736-41.9% |
| Participation rate | 36.3% | 48.7%-12.4pp | 67.5%-31.2pp | 70.6%-34.3pp |
| Annual return | 15.27% | 79.55%-64.3pp | 66.67%-51.4pp | 31.26%-16.0pp |
| Employer contribution / active EE | $1,257 | $1,602-21.5% | $2,732-54.0% | $2,728-53.9% |
| Participant deferral / active EE | $1,872 | $2,814-33.5% | $4,525-58.6% | $4,651-59.7% |
| Admin fee / account holder | $4,505 | $915+392.4% | $6,162-26.9% | $433+939.6% |