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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 | $45,501 | $58,258-21.9% | $81,820-44.4% | $80,925-43.8% |
| Participation rate | 69.7% | 63.5%+6.2pp | 72.4%-2.7pp | 67.7%+2.0pp |
| Annual return | 11.21% | 41.76%-30.6pp | 777.93%-766.7pp | 35.65%-24.4pp |
| Employer contribution / active EE | $5,289 | $2,345+125.5% | $2,915+81.5% | $2,756+91.9% |
| Participant deferral / active EE | $2,805 | $3,284-14.6% | $4,323-35.1% | $4,299-34.8% |
| Admin fee / account holder | $3,508 | $4,976-29.5% | $7,391-52.5% | $6,940-49.5% |