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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 | $41,655 | $56,134-25.8% | $96,161-56.7% | $85,856-51.5% |
| Participation rate | 55.9% | 56.7%-0.8pp | 68.4%-12.5pp | 69.3%-13.4pp |
| Annual return | 28.11% | 42.30%-14.2pp | 192.01%-163.9pp | 318.58%-290.5pp |
| Employer contribution / active EE | $1,159 | $1,620-28.5% | $2,798-58.6% | $2,565-54.8% |
| Participant deferral / active EE | $2,373 | $2,858-17.0% | $4,349-45.4% | $3,952-40.0% |
| Admin fee / account holder | $3,065 | $3,769-18.7% | $5,538-44.7% | $6,261-51.0% |