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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 | $48,464 | $58,714-17.5% | $142,874-66.1% | $85,856-43.6% |
| Participation rate | 65.4% | 58.5%+6.9pp | 72.0%-6.6pp | 69.3%-3.9pp |
| Annual return | 14.52% | 27.73%-13.2pp | 5638.58%-5624.1pp | 318.58%-304.1pp |
| Employer contribution / active EE | $1,431 | $1,423+0.6% | $4,145-65.5% | $2,565-44.2% |
| Participant deferral / active EE | $2,360 | $2,608-9.5% | $3,838-38.5% | $3,952-40.3% |
| Admin fee / account holder | $5,183 | $4,241+22.2% | $6,561-21.0% | $6,261-17.2% |