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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 | $48,435 | $58,258-16.9% | $81,820-40.8% | $80,925-40.1% |
| Participation rate | 66.7% | 63.5%+3.2pp | 72.4%-5.7pp | 67.7%-1.0pp |
| Annual return | 17.34% | 41.76%-24.4pp | 777.93%-760.6pp | 35.65%-18.3pp |
| Employer contribution / active EE | $1,339 | $2,345-42.9% | $2,915-54.1% | $2,756-51.4% |
| Participant deferral / active EE | $3,045 | $3,284-7.3% | $4,323-29.6% | $4,299-29.2% |
| Admin fee / account holder | $4,655 | $4,976-6.5% | $7,391-37.0% | $6,940-32.9% |