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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 | $43,023 | $80,674-46.7% | $119,126-63.9% | $64,340-33.1% |
| Participation rate | 48.6% | 55.2%-6.6pp | 75.8%-27.2pp | 55.2%-6.7pp |
| Annual return | 36.59% | 26.86%+9.7pp | 282.11%-245.5pp | 24.14%+12.4pp |
| Employer contribution / active EE | $1,348 | $2,564-47.4% | $4,034-66.6% | $1,862-27.6% |
| Participant deferral / active EE | $2,733 | $3,053-10.5% | $5,318-48.6% | $2,980-8.3% |
| Admin fee / account holder | $1,776 | $4,559-61.0% | $10,693-83.4% | $3,703-52.0% |