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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 | $49,368 | $71,230-30.7% | $93,727-47.3% | $80,959-39.0% |
| Participation rate | 66.7% | 60.4%+6.3pp | 68.7%-2.0pp | 67.7%-1.0pp |
| Annual return | 11.51% | 11.26%+0.3pp | 133.83%-122.3pp | 35.67%-24.2pp |
| Employer contribution / active EE | $1,621 | $1,565+3.6% | $2,421-33.1% | $2,757-41.2% |
| Participant deferral / active EE | $2,602 | $4,037-35.5% | $4,417-41.1% | $4,300-39.5% |
| Admin fee / account holder | $13,626 | $6,961+95.7% | $8,292+64.3% | $6,925+96.8% |