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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 | $69,533 | $71,197-2.3% | $93,669-25.8% | $80,925-14.1% |
| Participation rate | 15.8% | 60.4%-44.6pp | 68.7%-52.9pp | 67.7%-51.9pp |
| Annual return | 11.62% | 11.27%+0.4pp | 133.59%-122.0pp | 35.65%-24.0pp |
| Employer contribution / active EE | $2,566 | $1,565+64.0% | $2,424+5.9% | $2,756-6.9% |
| Participant deferral / active EE | $4,742 | $4,036+17.5% | $4,416+7.4% | $4,299+10.3% |
| Admin fee / account holder | $9,552 | $6,959+37.3% | $8,291+15.2% | $6,940+37.6% |