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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 | $58,275-24.4% | $81,844-46.1% | $80,935-45.5% |
| Participation rate | 67.4% | 63.5%+3.9pp | 72.4%-5.0pp | 67.7%-0.3pp |
| Annual return | 20.33% | 41.82%-21.5pp | 778.87%-758.5pp | 35.66%-15.3pp |
| Employer contribution / active EE | $2,750 | $2,346+17.2% | $2,916-5.7% | $2,757-0.2% |
| Participant deferral / active EE | $4,370 | $3,285+33.0% | $4,323+1.1% | $4,299+1.6% |
| Admin fee / account holder | $4,081 | $4,749-14.1% | $7,355-44.5% | $6,924-41.1% |