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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 | $42,380 | $58,311-27.3% | $81,882-48.2% | $80,959-47.7% |
| Participation rate | 61.9% | 63.5%-1.6pp | 72.4%-10.5pp | 67.7%-5.8pp |
| Annual return | 11.70% | 41.85%-30.2pp | 779.47%-767.8pp | 35.67%-24.0pp |
| Employer contribution / active EE | $1,947 | $2,347-17.0% | $2,916-33.2% | $2,757-29.4% |
| Participant deferral / active EE | $4,456 | $3,287+35.6% | $4,323+3.1% | $4,300+3.6% |
| Admin fee / account holder | $2,077 | $4,752-56.3% | $7,360-71.8% | $6,925-70.0% |