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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 | $51,318 | $71,215-27.9% | $93,696-45.2% | $80,935-36.6% |
| Participation rate | 59.5% | 60.4%-0.9pp | 68.7%-9.3pp | 67.7%-8.2pp |
| Annual return | 13.44% | 11.27%+2.2pp | 133.74%-120.3pp | 35.66%-22.2pp |
| Employer contribution / active EE | $3,419 | $1,565+118.4% | $2,422+41.2% | $2,757+24.0% |
| Participant deferral / active EE | $4,956 | $4,037+22.8% | $4,417+12.2% | $4,299+15.3% |
| Admin fee / account holder | $2,642 | $6,958-62.0% | $8,287-68.1% | $6,924-61.9% |