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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 | $79,181 | $86,949-8.9% | $102,460-22.7% | $80,959-2.2% |
| Participation rate | 56.8% | 72.4%-15.6pp | 76.5%-19.7pp | 67.7%-10.8pp |
| Annual return | 26.01% | 18.89%+7.1pp | 29.47%-3.5pp | 35.67%-9.7pp |
| Employer contribution / active EE | $6,549 | $2,370+176.4% | $3,025+116.5% | $2,757+137.5% |
| Participant deferral / active EE | $4,137 | $4,121+0.4% | $5,056-18.2% | $4,300-3.8% |
| Admin fee / account holder | $721 | $8,048-91.0% | $9,460-92.4% | $6,925-89.6% |