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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 | $49,660 | $48,053+3.3% | $84,623-41.3% | $72,983-32.0% |
| Participation rate | 53.7% | 57.6%-3.9pp | 68.2%-14.6pp | 69.5%-15.8pp |
| Annual return | 18.33% | 37.39%-19.1pp | 258.77%-240.4pp | 81.01%-62.7pp |
| Employer contribution / active EE | $1,261 | $1,602-21.3% | $2,652-52.5% | $2,440-48.3% |
| Participant deferral / active EE | $2,197 | $2,681-18.0% | $3,899-43.7% | $3,608-39.1% |
| Admin fee / account holder | $3,667 | $3,395+8.0% | $4,913-25.4% | $5,124-28.4% |