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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 | $36,335 | $126,661-71.3% | $113,397-68.0% | $138,895-73.8% |
| Participation rate | 62.5% | 79.4%-16.9pp | 76.5%-14.0pp | 79.9%-17.4pp |
| Annual return | 12.43% | 25.05%-12.6pp | 23.20%-10.8pp | 145.39%-133.0pp |
| Employer contribution / active EE | $2,064 | $3,456-40.3% | $2,977-30.7% | $4,194-50.8% |
| Participant deferral / active EE | $6,055 | $5,693+6.4% | $5,076+19.3% | $6,396-5.3% |
| Admin fee / account holder | $11,975 | $14,549-17.7% | $11,957+0.2% | $12,562-4.7% |