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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 | $53,686 | $93,598-42.6% | $135,974-60.5% | $75,173-28.6% |
| Participation rate | 68.6% | 75.2%-6.6pp | 81.9%-13.3pp | 67.2%+1.4pp |
| Annual return | 20.39% | 30.89%-10.5pp | 68.30%-47.9pp | 160.72%-140.3pp |
| Employer contribution / active EE | $1,143 | $3,538-67.7% | $4,859-76.5% | $2,671-57.2% |
| Participant deferral / active EE | $7,203 | $6,405+12.5% | $7,760-7.2% | $4,126+74.6% |
| Admin fee / account holder | $3,770 | $6,978-46.0% | $10,767-65.0% | $5,651-33.3% |