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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 | $49,976-5.8% | $66,674-29.4% | $82,637-43.0% |
| Participation rate | 60.7% | 63.1%-2.4pp | 73.7%-13.0pp | 68.1%-7.4pp |
| Annual return | 18.74% | 39.09%-20.3pp | 321.24%-302.5pp | 53.51%-34.8pp |
| Employer contribution / active EE | $2,834 | $1,988+42.6% | $2,620+8.2% | $2,552+11.1% |
| Participant deferral / active EE | $5,763 | $2,847+102.5% | $4,084+41.1% | $4,126+39.7% |
| Admin fee / account holder | $6,243 | $4,594+35.9% | $5,098+22.5% | $7,339-14.9% |