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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 | $49,326 | $45,566+8.3% | $64,105-23.1% | $59,633-17.3% |
| Participation rate | 65.4% | 60.2%+5.2pp | 68.2%-2.8pp | 68.7%-3.3pp |
| Annual return | -2.45% | 4.95%-7.4pp | 791.24%-793.7pp | 2041.45%-2043.9pp |
| Employer contribution / active EE | $365 | $934-61.0% | $1,820-80.0% | $2,203-83.4% |
| Participant deferral / active EE | $1,797 | $2,057-12.6% | $2,822-36.3% | $3,192-43.7% |
| Admin fee / account holder | $3,376 | $3,268+3.3% | $4,499-25.0% | $4,297-21.4% |