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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 | $111,785-59.4% | $93,669-51.6% | $145,877-68.9% |
| Participation rate | 55.6% | 74.2%-18.7pp | 68.7%-13.2pp | 80.3%-24.7pp |
| Annual return | 17.45% | 203.79%-186.3pp | 133.59%-116.1pp | 551.28%-533.8pp |
| Employer contribution / active EE | $2,936 | $3,096-5.2% | $2,424+21.1% | $4,663-37.0% |
| Participant deferral / active EE | $4,466 | $4,919-9.2% | $4,416+1.1% | $6,691-33.2% |
| Admin fee / account holder | $3,051 | $10,256-70.3% | $8,291-63.2% | $13,402-77.2% |