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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 | $48,304 | $58,234-17.1% | $81,783-40.9% | $80,874-40.3% |
| Participation rate | 69.2% | 63.4%+5.8pp | 72.4%-3.1pp | 67.6%+1.6pp |
| Annual return | 10.84% | 41.70%-30.9pp | 775.05%-764.2pp | 35.62%-24.8pp |
| Employer contribution / active EE | $406 | $2,341-82.7% | $2,913-86.1% | $2,756-85.3% |
| Participant deferral / active EE | $2,092 | $3,283-36.3% | $4,320-51.6% | $4,297-51.3% |
| Admin fee / account holder | $1,121 | $4,982-77.5% | $7,380-84.8% | $6,935-83.8% |