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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 | $68,852-18.2% | $120,524-53.3% | $80,925-30.4% |
| Participation rate | 64.0% | 61.6%+2.4pp | 71.9%-7.9pp | 67.7%-3.7pp |
| Annual return | 13.50% | 23.67%-10.2pp | 107.36%-93.9pp | 35.65%-22.1pp |
| Employer contribution / active EE | $3,106 | $2,063+50.5% | $3,469-10.5% | $2,756+12.7% |
| Participant deferral / active EE | $4,940 | $3,187+55.0% | $4,994-1.1% | $4,299+14.9% |
| Admin fee / account holder | $674 | $5,781-88.3% | $9,440-92.9% | $6,940-90.3% |