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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 | $49,241 | $51,184-3.8% | $66,439-25.9% | $86,983-43.4% |
| Participation rate | 48.3% | 68.5%-20.2pp | 74.5%-26.2pp | 69.5%-21.3pp |
| Annual return | 18.64% | 17.07%+1.6pp | 757.66%-739.0pp | 25.83%-7.2pp |
| Employer contribution / active EE | $1,042 | $2,023-48.5% | $2,637-60.5% | $2,584-59.7% |
| Participant deferral / active EE | $3,376 | $2,927+15.3% | $3,876-12.9% | $4,194-19.5% |
| Admin fee / account holder | $2,512 | $4,154-39.5% | $6,173-59.3% | $7,856-68.0% |