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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 | $26,388 | $93,598-71.8% | $135,974-80.6% | $75,173-64.9% |
| Participation rate | 41.5% | 75.2%-33.7pp | 81.9%-40.5pp | 67.2%-25.7pp |
| Annual return | 23.90% | 30.89%-7.0pp | 68.30%-44.4pp | 160.72%-136.8pp |
| Employer contribution / active EE | $2,456 | $3,538-30.6% | $4,859-49.5% | $2,671-8.1% |
| Participant deferral / active EE | $5,271 | $6,405-17.7% | $7,760-32.1% | $4,126+27.7% |
| Admin fee / account holder | $2,750 | $6,978-60.6% | $10,767-74.5% | $5,651-51.3% |