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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 | $52,904 | $95,406-44.5% | $185,849-71.5% | $85,847-38.4% |
| Participation rate | 67.1% | 68.8%-1.7pp | 81.7%-14.6pp | 69.3%-2.2pp |
| Annual return | 15.56% | 23.59%-8.0pp | 122.10%-106.5pp | 318.61%-303.1pp |
| Employer contribution / active EE | $2,415 | $3,314-27.1% | $5,169-53.3% | $2,565-5.9% |
| Participant deferral / active EE | $4,322 | $3,424+26.2% | $5,569-22.4% | $3,952+9.4% |
| Admin fee / account holder | $658 | $7,214-90.9% | $16,244-95.9% | $6,261-89.5% |