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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 | $58,241 | $70,430-17.3% | $96,572-39.7% | $85,851-32.2% |
| Participation rate | 51.2% | 61.8%-10.6pp | 69.8%-18.6pp | 69.3%-18.1pp |
| Annual return | 16.08% | 18.58%-2.5pp | 37.79%-21.7pp | 318.63%-302.6pp |
| Employer contribution / active EE | $3,173 | $1,413+124.5% | $2,357+34.6% | $2,565+23.7% |
| Participant deferral / active EE | $4,245 | $2,894+46.7% | $3,850+10.3% | $3,952+7.4% |
| Admin fee / account holder | $789 | $4,996-84.2% | $6,183-87.2% | $6,261-87.4% |