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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 | $44,634 | $49,881-10.5% | $80,589-44.6% | $75,173-40.6% |
| Participation rate | 50.0% | 55.3%-5.3pp | 67.0%-17.0pp | 67.2%-17.2pp |
| Annual return | 20.21% | 34.68%-14.5pp | 935.83%-915.6pp | 160.65%-140.4pp |
| Employer contribution / active EE | $1,552 | $1,698-8.6% | $2,724-43.0% | $2,670-41.9% |
| Participant deferral / active EE | $3,479 | $2,991+16.3% | $4,449-21.8% | $4,126-15.7% |
| Admin fee / account holder | $326 | $3,577-90.9% | $5,379-93.9% | $5,651-94.2% |