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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 | $37,286 | $178,174-79.1% | $156,181-76.1% | $137,256-72.8% |
| Participation rate | 45.5% | 82.0%-36.6pp | 78.8%-33.4pp | 80.0%-34.5pp |
| Annual return | 15.77% | 84.19%-68.4pp | 64.87%-49.1pp | 220.34%-204.6pp |
| Employer contribution / active EE | $2,325 | $4,972-53.2% | $4,294-45.8% | $4,156-44.1% |
| Participant deferral / active EE | $4,761 | $6,888-30.9% | $6,132-22.4% | $6,407-25.7% |
| Admin fee / account holder | $31,261 | $17,404+79.6% | $14,586+114.3% | $12,270+154.8% |