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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 | $45,379 | $111,878-59.4% | $93,727-51.6% | $145,897-68.9% |
| Participation rate | 55.6% | 74.2%-18.7pp | 68.7%-13.2pp | 80.3%-24.8pp |
| Annual return | 17.45% | 204.28%-186.8pp | 133.83%-116.4pp | 552.29%-534.8pp |
| Employer contribution / active EE | $2,936 | $3,092-5.1% | $2,421+21.2% | $4,663-37.0% |
| Participant deferral / active EE | $4,466 | $4,920-9.2% | $4,417+1.1% | $6,689-33.2% |
| Admin fee / account holder | $3,051 | $10,256-70.3% | $8,292-63.2% | $13,390-77.2% |