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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 | $46,251 | $93,598-50.6% | $135,974-66.0% | $75,173-38.5% |
| Participation rate | 61.8% | 75.2%-13.4pp | 81.9%-20.2pp | 67.2%-5.4pp |
| Annual return | 19.64% | 30.89%-11.2pp | 68.30%-48.7pp | 160.72%-141.1pp |
| Employer contribution / active EE | $2,753 | $3,538-22.2% | $4,859-43.3% | $2,671+3.1% |
| Participant deferral / active EE | $5,249 | $6,405-18.1% | $7,760-32.4% | $4,126+27.2% |
| Admin fee / account holder | $2,057 | $6,978-70.5% | $10,767-80.9% | $5,651-63.6% |