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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 | $41,288 | $81,208-49.2% | $98,920-58.3% | $79,856-48.3% |
| Participation rate | 67.6% | 72.5%-4.9pp | 76.0%-8.5pp | 69.6%-2.1pp |
| Annual return | 12.87% | 60.99%-48.1pp | 196.47%-183.6pp | 31.71%-18.8pp |
| Employer contribution / active EE | $1,376 | $1,960-29.8% | $2,689-48.8% | $2,471-44.3% |
| Participant deferral / active EE | $2,483 | $3,265-24.0% | $4,245-41.5% | $3,741-33.6% |
| Admin fee / account holder | $4,485 | $6,013-25.4% | $6,643-32.5% | $5,306-15.5% |