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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 | $49,501 | $61,787-19.9% | $97,197-49.1% | $80,925-38.8% |
| Participation rate | 54.8% | 63.5%-8.6pp | 72.7%-17.9pp | 67.7%-12.8pp |
| Annual return | 14.12% | -558.16%+572.3pp | 75.47%-61.3pp | 35.65%-21.5pp |
| Employer contribution / active EE | $778 | $1,836-57.6% | $2,723-71.4% | $2,756-71.8% |
| Participant deferral / active EE | $3,406 | $3,027+12.5% | $4,263-20.1% | $4,299-20.8% |
| Admin fee / account holder | $1,046 | $5,170-79.8% | $5,637-81.4% | $6,940-84.9% |