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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 | $38,245 | $93,589-59.1% | $135,942-71.9% | $75,181-49.1% |
| Participation rate | 50.7% | 75.2%-24.5pp | 81.9%-31.2pp | 67.2%-16.5pp |
| Annual return | 18.67% | 30.90%-12.2pp | 68.28%-49.6pp | 160.69%-142.0pp |
| Employer contribution / active EE | $1,442 | $3,537-59.2% | $4,858-70.3% | $2,671-46.0% |
| Participant deferral / active EE | $2,755 | $6,405-57.0% | $7,759-64.5% | $4,126-33.2% |
| Admin fee / account holder | $4,791 | $6,977-31.3% | $10,764-55.5% | $5,650-15.2% |