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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 | $54,183 | $48,364+12.0% | $71,796-24.5% | $62,881-13.8% |
| Participation rate | 61.7% | 60.6%+1.0pp | 69.1%-7.4pp | 69.3%-7.6pp |
| Annual return | 6.09% | 13.16%-7.1pp | 78.04%-72.0pp | 20.14%-14.1pp |
| Employer contribution / active EE | $441 | $1,042-57.7% | $1,924-77.1% | $2,281-80.7% |
| Participant deferral / active EE | $2,109 | $2,091+0.8% | $2,794-24.5% | $3,203-34.2% |
| Admin fee / account holder | $675 | $3,771-82.1% | $4,815-86.0% | $4,296-84.3% |