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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 | $43,901 | $138,393-68.3% | $184,256-76.2% | $80,959-45.8% |
| Participation rate | 53.3% | 83.9%-30.6pp | 86.8%-33.5pp | 67.7%-14.3pp |
| Annual return | 13.97% | 20.01%-6.0pp | 28.85%-14.9pp | 35.67%-21.7pp |
| Employer contribution / active EE | $4,401 | $4,847-9.2% | $6,427-31.5% | $2,757+59.6% |
| Participant deferral / active EE | $4,202 | $7,076-40.6% | $9,133-54.0% | $4,300-2.3% |
| Admin fee / account holder | $3,813 | $10,489-63.6% | $13,899-72.6% | $6,925-44.9% |