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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 | $56,954 | $46,297+23.0% | $71,671-20.5% | $62,293-8.6% |
| Participation rate | 60.4% | 60.6%-0.2pp | 68.7%-8.3pp | 69.5%-9.1pp |
| Annual return | 19.08% | 22.32%-3.2pp | 20.65%-1.6pp | 28.90%-9.8pp |
| Employer contribution / active EE | $1,705 | $1,412+20.7% | $2,460-30.7% | $2,042-16.5% |
| Participant deferral / active EE | $3,232 | $2,235+44.6% | $3,438-6.0% | $3,169+2.0% |
| Admin fee / account holder | $983 | $461+113.5% | $5,558-82.3% | $479+105.1% |