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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 | $51,574 | $48,364+6.6% | $71,796-28.2% | $62,881-18.0% |
| Participation rate | 61.5% | 60.6%+0.9pp | 69.1%-7.6pp | 69.3%-7.8pp |
| Annual return | 8.81% | 13.16%-4.3pp | 78.04%-69.2pp | 20.14%-11.3pp |
| Employer contribution / active EE | $1,143 | $1,042+9.7% | $1,924-40.6% | $2,281-49.9% |
| Participant deferral / active EE | $4,042 | $2,091+93.3% | $2,794+44.6% | $3,203+26.2% |
| Admin fee / account holder | $1,271 | $3,771-66.3% | $4,815-73.6% | $4,296-70.4% |