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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 | $47,261 | $91,167-48.2% | $178,498-73.5% | $79,858-40.8% |
| Participation rate | 58.6% | 69.2%-10.6pp | 81.9%-23.3pp | 69.6%-11.0pp |
| Annual return | 15.06% | 24.19%-9.1pp | 151.09%-136.0pp | 31.72%-16.7pp |
| Employer contribution / active EE | $4,819 | $3,255+48.0% | $5,011-3.8% | $2,471+95.0% |
| Participant deferral / active EE | $3,635 | $3,236+12.4% | $5,202-30.1% | $3,740-2.8% |
| Admin fee / account holder | $1,216 | $6,747-82.0% | $13,985-91.3% | $5,306-77.1% |