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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 | $40,284 | $94,031-57.2% | $115,768-65.2% | $82,448-51.1% |
| Participation rate | 56.6% | 70.4%-13.8pp | 74.4%-17.8pp | 68.1%-11.5pp |
| Annual return | 25.77% | 20.61%+5.2pp | 100.46%-74.7pp | 41.64%-15.9pp |
| Employer contribution / active EE | $2,676 | $2,323+15.2% | $2,940-9.0% | $2,551+4.9% |
| Participant deferral / active EE | $5,031 | $3,972+26.7% | $4,917+2.3% | $4,139+21.5% |
| Admin fee / account holder | $2,711 | $10,249-73.5% | $12,439-78.2% | $7,234-62.5% |