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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 | $49,888 | $197,625-74.8% | $177,840-71.9% | $158,966-68.6% |
| Participation rate | 40.0% | 88.5%-48.5pp | 87.7%-47.7pp | 82.0%-42.0pp |
| Annual return | 21.51% | 58.76%-37.2pp | 48.32%-26.8pp | 302.95%-281.4pp |
| Employer contribution / active EE | $2,514 | $6,698-62.5% | $5,919-57.5% | $4,762-47.2% |
| Participant deferral / active EE | $4,329 | $8,405-48.5% | $7,714-43.9% | $5,983-27.6% |
| Admin fee / account holder | $4,709 | $15,405-69.4% | $12,431-62.1% | $11,250-58.1% |