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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 | $48,611 | $47,105+3.2% | $68,368-28.9% | $67,986-28.5% |
| Participation rate | 40.4% | 51.8%-11.4pp | 73.8%-33.3pp | 57.2%-16.8pp |
| Annual return | 19.28% | 48.37%-29.1pp | 292.57%-273.3pp | 31.67%-12.4pp |
| Employer contribution / active EE | $1,512 | $1,859-18.6% | $2,649-42.9% | $2,019-25.1% |
| Participant deferral / active EE | $3,689 | $2,374+55.4% | $4,123-10.5% | $3,358+9.8% |
| Admin fee / account holder | $3,615 | $2,435+48.5% | $5,150-29.8% | $3,203+12.9% |