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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 | $55,027 | $63,949-14.0% | $129,031-57.4% | $94,015-41.5% |
| Participation rate | 63.6% | 63.4%+0.2pp | 73.4%-9.7pp | 70.8%-7.2pp |
| Annual return | 15.89% | 17.56%-1.7pp | 34.67%-18.8pp | 17.84%-2.0pp |
| Employer contribution / active EE | $1,827 | $1,865-2.0% | $3,226-43.4% | $2,790-34.5% |
| Participant deferral / active EE | $5,367 | $3,686+45.6% | $5,217+2.9% | $4,249+26.3% |
| Admin fee / account holder | $475 | $5,523-91.4% | $13,208-96.4% | $8,951-94.7% |