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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 | $42,295 | $98,766-57.2% | $149,730-71.8% | $79,852-47.0% |
| Participation rate | 60.5% | 75.8%-15.3pp | 82.5%-22.0pp | 69.6%-9.1pp |
| Annual return | 40.08% | 27.43%+12.7pp | 276.70%-236.6pp | 31.72%+8.4pp |
| Employer contribution / active EE | $2,917 | $3,217-9.3% | $4,645-37.2% | $2,471+18.1% |
| Participant deferral / active EE | $5,888 | $5,681+3.6% | $6,843-14.0% | $3,740+57.4% |
| Admin fee / account holder | $4,711 | $6,052-22.2% | $9,310-49.4% | $5,306-11.2% |