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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 | $34,670 | $78,428-55.8% | $95,960-63.9% | $79,852-56.6% |
| Participation rate | 63.6% | 73.5%-9.9pp | 77.1%-13.4pp | 69.6%-6.0pp |
| Annual return | 20.61% | 19.37%+1.2pp | 91.63%-71.0pp | 31.72%-11.1pp |
| Employer contribution / active EE | $2,843 | $1,945+46.1% | $2,541+11.9% | $2,471+15.0% |
| Participant deferral / active EE | $6,656 | $3,440+93.5% | $4,167+59.8% | $3,740+78.0% |
| Admin fee / account holder | $6,396 | $5,622+13.8% | $6,797-5.9% | $5,306+20.5% |