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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 | $63,767 | $76,551-16.7% | $123,894-48.5% | $62,881+1.4% |
| Participation rate | 55.6% | 73.0%-17.4pp | 81.4%-25.9pp | 69.3%-13.7pp |
| Annual return | 6.11% | 18.68%-12.6pp | 47.52%-41.4pp | 20.14%-14.0pp |
| Employer contribution / active EE | $2,354 | $2,882-18.3% | $4,617-49.0% | $2,281+3.2% |
| Participant deferral / active EE | $5,122 | $4,840+5.8% | $5,984-14.4% | $3,203+59.9% |
| Admin fee / account holder | $11,749 | $4,826+143.5% | $8,357+40.6% | $4,296+173.5% |