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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 | $49,035 | $98,760-50.3% | $149,715-67.2% | $79,858-38.6% |
| Participation rate | 63.3% | 75.8%-12.5pp | 82.5%-19.2pp | 69.6%-6.4pp |
| Annual return | 15.74% | 27.43%-11.7pp | 276.66%-260.9pp | 31.72%-16.0pp |
| Employer contribution / active EE | $1,363 | $3,217-57.6% | $4,645-70.7% | $2,471-44.8% |
| Participant deferral / active EE | $2,985 | $5,681-47.4% | $6,842-56.4% | $3,740-20.2% |
| Admin fee / account holder | $378 | $6,053-93.8% | $9,310-95.9% | $5,306-92.9% |