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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 | $32,206 | $106,749-69.8% | $145,433-77.9% | $82,448-60.9% |
| Participation rate | 53.3% | 75.6%-22.4pp | 82.1%-28.9pp | 68.1%-14.8pp |
| Annual return | 24.30% | 27.59%-3.3pp | 66.58%-42.3pp | 41.64%-17.3pp |
| Employer contribution / active EE | $2,249 | $3,444-34.7% | $4,554-50.6% | $2,551-11.9% |
| Participant deferral / active EE | $4,330 | $6,519-33.6% | $7,897-45.2% | $4,139+4.6% |
| Admin fee / account holder | $1,005 | $8,390-88.0% | $13,129-92.3% | $7,234-86.1% |