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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 | $49,311 | $45,343+8.8% | $150,298-67.2% | $67,986-27.5% |
| Participation rate | 39.7% | 51.9%-12.2pp | 77.8%-38.1pp | 57.2%-17.5pp |
| Annual return | 28.44% | 33.28%-4.8pp | 62.79%-34.3pp | 31.67%-3.2pp |
| Employer contribution / active EE | $972 | $1,462-33.5% | $4,154-76.6% | $2,019-51.9% |
| Participant deferral / active EE | $1,740 | $2,055-15.3% | $5,453-68.1% | $3,358-48.2% |
| Admin fee / account holder | $14,725 | $2,250+554.5% | $14,116+4.3% | $3,203+359.7% |