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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 | $58,234-21.9% | $81,783-44.4% | $80,874-43.7% |
| Participation rate | 69.7% | 63.4%+6.3pp | 72.4%-2.7pp | 67.6%+2.0pp |
| Annual return | 11.21% | 41.70%-30.5pp | 775.05%-763.8pp | 35.62%-24.4pp |
| Employer contribution / active EE | $5,289 | $2,341+125.9% | $2,913+81.6% | $2,756+92.0% |
| Participant deferral / active EE | $2,805 | $3,283-14.6% | $4,320-35.1% | $4,297-34.7% |
| Admin fee / account holder | $3,508 | $4,982-29.6% | $7,380-52.5% | $6,935-49.4% |