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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 | $60,442-9.0% | $96,754-43.1% | $87,485-37.1% |
| Participation rate | 63.6% | 58.7%+4.9pp | 70.3%-6.6pp | 68.9%-5.3pp |
| Annual return | 15.89% | 21.97%-6.1pp | 82.04%-66.1pp | 26.06%-10.2pp |
| Employer contribution / active EE | $1,827 | $1,691+8.1% | $2,679-31.8% | $2,596-29.6% |
| Participant deferral / active EE | $5,367 | $3,280+63.6% | $4,758+12.8% | $4,274+25.6% |
| Admin fee / account holder | $475 | $5,069-90.6% | $8,905-94.7% | $7,775-93.9% |