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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 | $44,639 | $54,690-18.4% | $76,030-41.3% | $74,478-40.1% |
| Participation rate | 64.3% | 60.3%+4.0pp | 69.1%-4.7pp | 67.2%-2.9pp |
| Annual return | 13.38% | 31.92%-18.5pp | 361.54%-348.2pp | 1370.56%-1357.2pp |
| Employer contribution / active EE | $1,467 | $1,781-17.6% | $2,688-45.4% | $2,626-44.1% |
| Participant deferral / active EE | $3,648 | $3,070+18.8% | $4,257-14.3% | $4,350-16.2% |
| Admin fee / account holder | $1,189 | $2,240-46.9% | $6,421-81.5% | $1,946-38.9% |