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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 | $51,873 | $91,474-43.3% | $135,982-61.9% | $71,529-27.5% |
| Participation rate | 67.4% | 75.7%-8.3pp | 81.9%-14.5pp | 67.9%-0.6pp |
| Annual return | 46.17% | 29.89%+16.3pp | 68.32%-22.2pp | 28.97%+17.2pp |
| Employer contribution / active EE | $3,259 | $3,705-12.1% | $4,859-32.9% | $2,590+25.8% |
| Participant deferral / active EE | $8,945 | $7,095+26.1% | $7,760+15.3% | $4,291+108.4% |
| Admin fee / account holder | $5,154 | $1,267+306.8% | $10,767-52.1% | $1,588+224.5% |