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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 | $47,092 | $51,638-8.8% | $68,368-31.1% | $82,448-42.9% |
| Participation rate | 60.7% | 63.6%-3.0pp | 73.8%-13.1pp | 68.1%-7.4pp |
| Annual return | 18.74% | 37.53%-18.8pp | 292.57%-273.8pp | 41.64%-22.9pp |
| Employer contribution / active EE | $2,834 | $2,047+38.5% | $2,649+7.0% | $2,551+11.1% |
| Participant deferral / active EE | $5,763 | $2,914+97.8% | $4,123+39.8% | $4,139+39.2% |
| Admin fee / account holder | $6,243 | $4,643+34.5% | $5,150+21.2% | $7,234-13.7% |