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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 | $44,078 | $58,234-24.3% | $81,783-46.1% | $80,874-45.5% |
| Participation rate | 67.4% | 63.4%+3.9pp | 72.4%-5.0pp | 67.6%-0.3pp |
| Annual return | 20.33% | 41.70%-21.4pp | 775.05%-754.7pp | 35.62%-15.3pp |
| Employer contribution / active EE | $2,750 | $2,341+17.5% | $2,913-5.6% | $2,756-0.2% |
| Participant deferral / active EE | $4,370 | $3,283+33.1% | $4,320+1.1% | $4,297+1.7% |
| Admin fee / account holder | $4,081 | $4,982-18.1% | $7,380-44.7% | $6,935-41.2% |