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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 | $62,892 | $107,421-41.5% | $182,262-65.5% | $94,015-33.1% |
| Participation rate | 55.6% | 77.8%-22.2pp | 84.2%-28.7pp | 70.8%-15.3pp |
| Annual return | 20.28% | 21.32%-1.0pp | 140.60%-120.3pp | 17.84%+2.4pp |
| Employer contribution / active EE | $3,032 | $3,448-12.0% | $5,046-39.9% | $2,790+8.7% |
| Participant deferral / active EE | $5,097 | $6,558-22.3% | $8,276-38.4% | $4,249+20.0% |
| Admin fee / account holder | $3,212 | $8,692-63.0% | $16,712-80.8% | $8,951-64.1% |