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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 | $57,997 | $108,825-46.7% | $156,181-62.9% | $82,448-29.7% |
| Participation rate | 55.6% | 72.4%-16.8pp | 78.8%-23.3pp | 68.1%-12.5pp |
| Annual return | 16.49% | 20.59%-4.1pp | 64.87%-48.4pp | 41.64%-25.2pp |
| Employer contribution / active EE | $2,518 | $2,870-12.3% | $4,294-41.4% | $2,551-1.3% |
| Participant deferral / active EE | $5,365 | $4,577+17.2% | $6,132-12.5% | $4,139+29.6% |
| Admin fee / account holder | $14,001 | $9,341+49.9% | $14,586-4.0% | $7,234+93.5% |