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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 | $48,780 | $77,908-37.4% | $149,696-67.4% | $75,173-35.1% |
| Participation rate | 47.7% | 65.6%-17.9pp | 78.8%-31.0pp | 67.2%-19.5pp |
| Annual return | 23.62% | 31.73%-8.1pp | 134.46%-110.8pp | 160.72%-137.1pp |
| Employer contribution / active EE | $2,769 | $3,138-11.8% | $4,821-42.6% | $2,671+3.7% |
| Participant deferral / active EE | $3,701 | $3,411+8.5% | $5,682-34.9% | $4,126-10.3% |
| Admin fee / account holder | $524 | $5,950-91.2% | $13,212-96.0% | $5,651-90.7% |