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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 | $46,140 | $58,311-20.9% | $81,882-43.7% | $80,959-43.0% |
| Participation rate | 65.7% | 63.5%+2.2pp | 72.4%-6.7pp | 67.7%-2.0pp |
| Annual return | 15.46% | 41.85%-26.4pp | 779.47%-764.0pp | 35.67%-20.2pp |
| Employer contribution / active EE | $2,306 | $2,347-1.7% | $2,916-20.9% | $2,757-16.4% |
| Participant deferral / active EE | $3,721 | $3,287+13.2% | $4,323-13.9% | $4,300-13.5% |
| Admin fee / account holder | $1,001 | $4,752-78.9% | $7,360-86.4% | $6,925-85.5% |