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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 | $48,110 | $47,105+2.1% | $68,368-29.6% | $67,986-29.2% |
| Participation rate | 39.3% | 51.8%-12.4pp | 73.8%-34.4pp | 57.2%-17.9pp |
| Annual return | 14.86% | 48.37%-33.5pp | 292.57%-277.7pp | 31.67%-16.8pp |
| Employer contribution / active EE | $977 | $1,859-47.5% | $2,649-63.1% | $2,019-51.6% |
| Participant deferral / active EE | $1,998 | $2,374-15.8% | $4,123-51.5% | $3,358-40.5% |
| Admin fee / account holder | $2,583 | $2,435+6.1% | $5,150-49.8% | $3,203-19.4% |