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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 | $50,224 | $87,225-42.4% | $158,226-68.3% | $94,015-46.6% |
| Participation rate | 64.3% | 67.9%-3.6pp | 74.8%-10.5pp | 70.8%-6.5pp |
| Annual return | 10.77% | 16.34%-5.6pp | 501.41%-490.6pp | 17.84%-7.1pp |
| Employer contribution / active EE | $1,499 | $2,217-32.4% | $2,986-49.8% | $2,790-46.3% |
| Participant deferral / active EE | $5,582 | $3,405+63.9% | $4,317+29.3% | $4,249+31.4% |
| Admin fee / account holder | $5,603 | $7,888-29.0% | $10,217-45.2% | $8,951-37.4% |