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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 | $48,397 | $87,059-44.4% | $105,608-54.2% | $80,925-40.2% |
| Participation rate | 66.7% | 70.4%-3.8pp | 75.3%-8.6pp | 67.7%-1.0pp |
| Annual return | 11.92% | 17.05%-5.1pp | 116.50%-104.6pp | 35.65%-23.7pp |
| Employer contribution / active EE | $1,768 | $2,396-26.2% | $3,167-44.2% | $2,756-35.9% |
| Participant deferral / active EE | $3,066 | $3,986-23.1% | $5,010-38.8% | $4,299-28.7% |
| Admin fee / account holder | $2,292 | $8,443-72.9% | $11,028-79.2% | $6,940-67.0% |