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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 | $57,945 | $95,453-39.3% | $112,040-48.3% | $82,448-29.7% |
| Participation rate | 51.2% | 72.8%-21.6pp | 76.5%-25.3pp | 68.1%-16.9pp |
| Annual return | 18.57% | 23.92%-5.4pp | 24.52%-6.0pp | 41.64%-23.1pp |
| Employer contribution / active EE | $2,658 | $2,318+14.7% | $2,954-10.0% | $2,551+4.2% |
| Participant deferral / active EE | $5,524 | $4,224+30.8% | $5,098+8.4% | $4,139+33.5% |
| Admin fee / account holder | $437 | $9,013-95.1% | $12,098-96.4% | $7,234-94.0% |