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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 | $71,215-2.4% | $93,696-25.8% | $80,935-14.1% |
| Participation rate | 15.8% | 60.4%-44.6pp | 68.7%-52.9pp | 67.7%-51.9pp |
| Annual return | 11.62% | 11.27%+0.4pp | 133.74%-122.1pp | 35.66%-24.0pp |
| Employer contribution / active EE | $2,566 | $1,565+63.9% | $2,422+5.9% | $2,757-6.9% |
| Participant deferral / active EE | $4,742 | $4,037+17.5% | $4,417+7.4% | $4,299+10.3% |
| Admin fee / account holder | $9,552 | $6,958+37.3% | $8,287+15.3% | $6,924+38.0% |