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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 | $22,636 | $47,105-51.9% | $68,368-66.9% | $67,986-66.7% |
| Participation rate | 49.7% | 51.8%-2.1pp | 73.8%-24.1pp | 57.2%-7.5pp |
| Annual return | 32.25% | 48.37%-16.1pp | 292.57%-260.3pp | 31.67%+0.6pp |
| Employer contribution / active EE | $1,416 | $1,859-23.8% | $2,649-46.5% | $2,019-29.8% |
| Participant deferral / active EE | $2,822 | $2,374+18.9% | $4,123-31.5% | $3,358-16.0% |
| Admin fee / account holder | $3,092 | $2,435+27.0% | $5,150-40.0% | $3,203-3.5% |