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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 | $110,137-47.3% | $161,149-64.0% | $82,637-29.8% |
| Participation rate | 55.6% | 72.4%-16.8pp | 78.8%-23.3pp | 68.1%-12.5pp |
| Annual return | 16.49% | 20.69%-4.2pp | 21.16%-4.7pp | 53.51%-37.0pp |
| Employer contribution / active EE | $2,518 | $2,856-11.8% | $4,360-42.3% | $2,552-1.3% |
| Participant deferral / active EE | $5,365 | $4,575+17.3% | $6,153-12.8% | $4,126+30.0% |
| Admin fee / account holder | $14,001 | $9,467+47.9% | $15,194-7.9% | $7,339+90.8% |