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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 | $44,837 | $49,199-8.9% | $121,210-63.0% | $75,177-40.4% |
| Participation rate | 51.6% | 55.4%-3.8pp | 69.5%-17.9pp | 67.2%-15.6pp |
| Annual return | 19.48% | 56.04%-36.6pp | 987.41%-967.9pp | 160.75%-141.3pp |
| Employer contribution / active EE | $3,257 | $1,547+110.5% | $4,171-21.9% | $2,671+21.9% |
| Participant deferral / active EE | $6,084 | $2,630+131.3% | $4,084+49.0% | $4,126+47.4% |
| Admin fee / account holder | $4,686 | $3,946+18.8% | $5,647-17.0% | $5,651-17.1% |