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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 | $45,760 | $77,638-41.1% | $156,551-70.8% | $62,881-27.2% |
| Participation rate | 63.6% | 71.2%-7.6pp | 84.0%-20.4pp | 69.3%-5.7pp |
| Annual return | 6.88% | 50.33%-43.4pp | 32.23%-25.3pp | 20.14%-13.3pp |
| Employer contribution / active EE | $5,923 | $3,444+72.0% | $5,501+7.7% | $2,281+159.7% |
| Participant deferral / active EE | $3,541 | $3,046+16.3% | $4,871-27.3% | $3,203+10.6% |
| Admin fee / account holder | $1,504 | $5,561-72.9% | $13,028-88.5% | $4,296-65.0% |