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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 | $37,133 | $98,776-62.4% | $149,745-75.2% | $79,856-53.5% |
| Participation rate | 53.2% | 75.8%-22.6pp | 82.5%-29.3pp | 69.6%-16.4pp |
| Annual return | 20.35% | 27.38%-7.0pp | 276.72%-256.4pp | 31.71%-11.4pp |
| Employer contribution / active EE | $2,466 | $3,217-23.4% | $4,646-46.9% | $2,471-0.2% |
| Participant deferral / active EE | $6,252 | $5,681+10.1% | $6,843-8.6% | $3,741+67.2% |
| Admin fee / account holder | $891 | $6,053-85.3% | $9,312-90.4% | $5,306-83.2% |