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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 | $25,801 | $81,870-68.5% | $119,608-78.4% | $68,495-62.3% |
| Participation rate | 46.3% | 71.9%-25.6pp | 79.3%-32.9pp | 67.9%-21.6pp |
| Annual return | 73.50% | -23.82%+97.3pp | -14.98%+88.5pp | -7.84%+81.3pp |
| Employer contribution / active EE | $2,259 | $2,692-16.1% | $4,232-46.6% | $2,596-13.0% |
| Participant deferral / active EE | $5,182 | $4,148+24.9% | $5,601-7.5% | $4,028+28.7% |
| Admin fee / account holder | $601 | $6,583-90.9% | $10,326-94.2% | $5,403-88.9% |