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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 | $45,771 | $49,976-8.4% | $66,674-31.4% | $82,637-44.6% |
| Participation rate | 60.3% | 63.1%-2.7pp | 73.7%-13.3pp | 68.1%-7.7pp |
| Annual return | 21.85% | 39.09%-17.2pp | 321.24%-299.4pp | 53.51%-31.7pp |
| Employer contribution / active EE | $1,459 | $1,988-26.6% | $2,620-44.3% | $2,552-42.8% |
| Participant deferral / active EE | $3,752 | $2,847+31.8% | $4,084-8.1% | $4,126-9.1% |
| Admin fee / account holder | $24,298 | $4,594+429.0% | $5,098+376.6% | $7,339+231.1% |