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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 | $35,787 | $71,230-49.8% | $93,727-61.8% | $80,959-55.8% |
| Participation rate | 51.9% | 60.4%-8.5pp | 68.7%-16.9pp | 67.7%-15.8pp |
| Annual return | 16.12% | 11.26%+4.9pp | 133.83%-117.7pp | 35.67%-19.6pp |
| Employer contribution / active EE | $3,196 | $1,565+104.1% | $2,421+32.0% | $2,757+15.9% |
| Participant deferral / active EE | $5,050 | $4,037+25.1% | $4,417+14.3% | $4,300+17.4% |
| Admin fee / account holder | $397 | $6,961-94.3% | $8,292-95.2% | $6,925-94.3% |