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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 | $46,313 | $49,177-5.8% | $79,467-41.7% | $64,173-27.8% |
| Participation rate | 65.5% | 65.0%+0.4pp | 73.3%-7.9pp | 69.6%-4.1pp |
| Annual return | -7.07% | -1.16%-5.9pp | 718.30%-725.4pp | 7.63%-14.7pp |
| Employer contribution / active EE | $2,552 | $2,076+22.9% | $2,800-8.9% | $2,381+7.2% |
| Participant deferral / active EE | $4,662 | $2,821+65.2% | $3,704+25.9% | $3,470+34.4% |
| Admin fee / account holder | $4,109 | $3,839+7.0% | $5,104-19.5% | $4,887-15.9% |