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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 | $56,305 | $68,880-18.3% | $120,580-53.3% | $80,959-30.5% |
| Participation rate | 64.0% | 61.7%+2.3pp | 72.0%-8.0pp | 67.7%-3.7pp |
| Annual return | 13.50% | 23.68%-10.2pp | 107.48%-94.0pp | 35.67%-22.2pp |
| Employer contribution / active EE | $3,106 | $2,066+50.3% | $3,469-10.5% | $2,757+12.6% |
| Participant deferral / active EE | $4,940 | $3,191+54.8% | $4,995-1.1% | $4,300+14.9% |
| Admin fee / account holder | $674 | $5,785-88.4% | $9,418-92.8% | $6,925-90.3% |