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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 | $74,816 | $117,904-36.5% | $102,457-27.0% | $145,978-48.7% |
| Participation rate | 47.1% | 78.6%-31.5pp | 76.5%-29.4pp | 80.3%-33.2pp |
| Annual return | 42.89% | 31.80%+11.1pp | 29.41%+13.5pp | 550.52%-507.6pp |
| Employer contribution / active EE | $2,735 | $3,613-24.3% | $3,022-9.5% | $4,662-41.3% |
| Participant deferral / active EE | $6,454 | $5,733+12.6% | $5,054+27.7% | $6,690-3.5% |
| Admin fee / account holder | $73,016 | $13,329+447.8% | $9,451+672.5% | $13,400+444.9% |