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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 | $74,709 | $107,421-30.5% | $182,262-59.0% | $94,015-20.5% |
| Participation rate | 55.9% | 77.8%-21.8pp | 84.2%-28.3pp | 70.8%-14.9pp |
| Annual return | 15.76% | 21.32%-5.6pp | 140.60%-124.8pp | 17.84%-2.1pp |
| Employer contribution / active EE | $2,128 | $3,448-38.3% | $5,046-57.8% | $2,790-23.7% |
| Participant deferral / active EE | $6,107 | $6,558-6.9% | $8,276-26.2% | $4,249+43.7% |
| Admin fee / account holder | $3,110 | $8,692-64.2% | $16,712-81.4% | $8,951-65.3% |