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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 | $49,285 | $87,132-43.4% | $105,624-53.3% | $80,959-39.1% |
| Participation rate | 53.1% | 70.4%-17.4pp | 75.3%-22.2pp | 67.7%-14.6pp |
| Annual return | 10.88% | 17.03%-6.2pp | 116.20%-105.3pp | 35.67%-24.8pp |
| Employer contribution / active EE | $2,524 | $2,397+5.3% | $3,168-20.3% | $2,757-8.5% |
| Participant deferral / active EE | $5,773 | $3,985+44.9% | $5,013+15.2% | $4,300+34.3% |
| Admin fee / account holder | $6,630 | $8,449-21.5% | $10,961-39.5% | $6,925-4.3% |