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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 | $48,123 | $98,776-51.3% | $149,745-67.9% | $79,856-39.7% |
| Participation rate | 64.0% | 75.8%-11.8pp | 82.5%-18.5pp | 69.6%-5.6pp |
| Annual return | 13.63% | 27.38%-13.7pp | 276.72%-263.1pp | 31.71%-18.1pp |
| Employer contribution / active EE | $2,328 | $3,217-27.6% | $4,646-49.9% | $2,471-5.8% |
| Participant deferral / active EE | $5,449 | $5,681-4.1% | $6,843-20.4% | $3,741+45.7% |
| Admin fee / account holder | $966 | $6,053-84.0% | $9,312-89.6% | $5,306-81.8% |