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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 | $42,054 | $87,106-51.7% | $105,607-60.2% | $80,935-48.0% |
| Participation rate | 51.6% | 70.4%-18.8pp | 75.3%-23.7pp | 67.7%-16.0pp |
| Annual return | 21.66% | 17.01%+4.7pp | 116.11%-94.4pp | 35.66%-14.0pp |
| Employer contribution / active EE | $1,645 | $2,396-31.4% | $3,167-48.1% | $2,757-40.3% |
| Participant deferral / active EE | $3,253 | $3,986-18.4% | $5,011-35.1% | $4,299-24.4% |
| Admin fee / account holder | $3,650 | $8,447-56.8% | $10,958-66.7% | $6,924-47.3% |