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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 | $49,338 | $93,598-47.3% | $135,974-63.7% | $75,173-34.4% |
| Participation rate | 58.5% | 75.2%-16.7pp | 81.9%-23.4pp | 67.2%-8.7pp |
| Annual return | 16.10% | 30.89%-14.8pp | 68.30%-52.2pp | 160.72%-144.6pp |
| Employer contribution / active EE | $3,118 | $3,538-11.9% | $4,859-35.8% | $2,671+16.7% |
| Participant deferral / active EE | $5,397 | $6,405-15.7% | $7,760-30.4% | $4,126+30.8% |
| Admin fee / account holder | $9,418 | $6,978+35.0% | $10,767-12.5% | $5,651+66.7% |