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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 | $97,648-58.7% | $121,663-66.9% | $87,485-54.0% |
| Participation rate | 56.6% | 70.5%-13.9pp | 74.5%-17.9pp | 68.9%-12.3pp |
| Annual return | 25.77% | 18.03%+7.7pp | 147.54%-121.8pp | 26.06%-0.3pp |
| Employer contribution / active EE | $2,676 | $2,300+16.3% | $3,020-11.4% | $2,596+3.1% |
| Participant deferral / active EE | $5,031 | $3,923+28.2% | $4,887+2.9% | $4,274+17.7% |
| Admin fee / account holder | $2,711 | $11,100-75.6% | $14,289-81.0% | $7,775-65.1% |