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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 | $53,991 | $150,207-64.1% | $120,380-55.1% | $145,978-63.0% |
| Participation rate | 45.8% | 78.8%-32.9pp | 71.9%-26.1pp | 80.3%-34.5pp |
| Annual return | 33.96% | 154.28%-120.3pp | 107.28%-73.3pp | 550.52%-516.6pp |
| Employer contribution / active EE | $2,764 | $4,351-36.5% | $3,465-20.2% | $4,662-40.7% |
| Participant deferral / active EE | $4,635 | $6,175-24.9% | $4,992-7.1% | $6,690-30.7% |
| Admin fee / account holder | $9,969 | $12,203-18.3% | $9,421+5.8% | $13,400-25.6% |