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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 | $48,011+2.6% | $63,803-22.8% | $82,637-40.4% |
| Participation rate | 48.3% | 66.6%-18.3pp | 72.7%-24.4pp | 68.1%-19.8pp |
| Annual return | 18.64% | 19.84%-1.2pp | 543.72%-525.1pp | 53.51%-34.9pp |
| Employer contribution / active EE | $1,042 | $1,904-45.3% | $2,532-58.9% | $2,552-59.2% |
| Participant deferral / active EE | $3,376 | $2,846+18.6% | $3,843-12.1% | $4,126-18.2% |
| Admin fee / account holder | $2,512 | $3,873-35.1% | $5,196-51.7% | $7,339-65.8% |