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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 | $47,357 | $106,864-55.7% | $147,318-67.9% | $82,637-42.7% |
| Participation rate | 51.1% | 75.5%-24.4pp | 82.1%-31.0pp | 68.1%-16.9pp |
| Annual return | 104.05% | 27.49%+76.6pp | 70.43%+33.6pp | 53.51%+50.5pp |
| Employer contribution / active EE | $2,187 | $3,417-36.0% | $4,593-52.4% | $2,552-14.3% |
| Participant deferral / active EE | $4,318 | $6,496-33.5% | $7,906-45.4% | $4,126+4.6% |
| Admin fee / account holder | $2,583 | $8,415-69.3% | $13,708-81.2% | $7,339-64.8% |