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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 | $60,143 | $81,208-25.9% | $98,920-39.2% | $79,852-24.7% |
| Participation rate | 48.5% | 72.5%-24.0pp | 76.0%-27.5pp | 69.6%-21.2pp |
| Annual return | 17.77% | 60.99%-43.2pp | 196.47%-178.7pp | 31.72%-14.0pp |
| Employer contribution / active EE | $788 | $1,960-59.8% | $2,689-70.7% | $2,471-68.1% |
| Participant deferral / active EE | $2,679 | $3,265-18.0% | $4,245-36.9% | $3,740-28.4% |
| Admin fee / account holder | $2,145 | $6,013-64.3% | $6,643-67.7% | $5,306-59.6% |