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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 | $54,094 | $51,202+5.6% | $70,548-23.3% | $75,181-28.0% |
| Participation rate | 58.7% | 61.0%-2.3pp | 68.3%-9.7pp | 67.2%-8.5pp |
| Annual return | 17.03% | 30.05%-13.0pp | 32.78%-15.8pp | 160.69%-143.7pp |
| Employer contribution / active EE | $1,058 | $1,827-42.1% | $2,975-64.4% | $2,671-60.4% |
| Participant deferral / active EE | $3,175 | $2,850+11.4% | $4,567-30.5% | $4,126-23.0% |
| Admin fee / account holder | $2,222 | $4,094-45.7% | $6,424-65.4% | $5,650-60.7% |