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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 | $54,047 | $72,486-25.4% | $87,103-38.0% | $72,976-25.9% |
| Participation rate | 55.7% | 72.8%-17.1pp | 76.9%-21.1pp | 69.5%-13.8pp |
| Annual return | 28.49% | 24.46%+4.0pp | 28.19%+0.3pp | 81.02%-52.5pp |
| Employer contribution / active EE | $1,655 | $1,894-12.6% | $2,521-34.4% | $2,440-32.2% |
| Participant deferral / active EE | $6,574 | $3,270+101.1% | $4,049+62.4% | $3,608+82.2% |
| Admin fee / account holder | $4,161 | $5,055-17.7% | $7,491-44.5% | $5,124-18.8% |