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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 | $44,267 | $56,063-21.0% | $76,051-41.8% | $80,911-45.3% |
| Participation rate | 60.7% | 62.0%-1.3pp | 69.1%-8.4pp | 67.6%-6.9pp |
| Annual return | 13.57% | 20.54%-7.0pp | 360.42%-346.8pp | 35.63%-22.1pp |
| Employer contribution / active EE | $3,372 | $1,874+79.9% | $2,690+25.4% | $2,756+22.4% |
| Participant deferral / active EE | $5,031 | $3,052+64.8% | $4,257+18.2% | $4,297+17.1% |
| Admin fee / account holder | $4,081 | $5,240-22.1% | $6,416-36.4% | $6,935-41.1% |