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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 | $43,225 | $49,896-13.4% | $80,627-46.4% | $75,173-42.5% |
| Participation rate | 64.7% | 55.3%+9.4pp | 67.0%-2.3pp | 67.2%-2.5pp |
| Annual return | 14.67% | 34.67%-20.0pp | 936.76%-922.1pp | 160.72%-146.0pp |
| Employer contribution / active EE | $1,777 | $1,699+4.6% | $2,723-34.7% | $2,671-33.5% |
| Participant deferral / active EE | $3,497 | $2,992+16.9% | $4,443-21.3% | $4,126-15.2% |
| Admin fee / account holder | $4,430 | $3,578+23.8% | $5,381-17.7% | $5,651-21.6% |