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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 | $46,337 | $63,354-26.9% | $94,105-50.8% | $82,637-43.9% |
| Participation rate | 58.9% | 63.8%-4.9pp | 71.9%-13.0pp | 68.1%-9.1pp |
| Annual return | 23.54% | 34.36%-10.8pp | 204.55%-181.0pp | 53.51%-30.0pp |
| Employer contribution / active EE | $2,929 | $1,760+66.4% | $2,504+16.9% | $2,552+14.8% |
| Participant deferral / active EE | $5,784 | $2,873+101.3% | $3,881+49.0% | $4,126+40.2% |
| Admin fee / account holder | $1,873 | $5,073-63.1% | $6,199-69.8% | $7,339-74.5% |