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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 | $55,516 | $78,423-29.2% | $95,964-42.1% | $79,856-30.5% |
| Participation rate | 59.0% | 73.5%-14.5pp | 77.1%-18.1pp | 69.6%-10.6pp |
| Annual return | 13.33% | 19.37%-6.0pp | 91.64%-78.3pp | 31.71%-18.4pp |
| Employer contribution / active EE | $1,559 | $1,945-19.9% | $2,541-38.7% | $2,471-36.9% |
| Participant deferral / active EE | $6,280 | $3,440+82.5% | $4,167+50.7% | $3,741+67.9% |
| Admin fee / account holder | $3,381 | $5,622-39.9% | $6,797-50.3% | $5,306-36.3% |