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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 | $80,447 | $89,364-10.0% | $141,177-43.0% | $72,983+10.2% |
| Participation rate | 60.7% | 75.1%-14.4pp | 82.5%-21.8pp | 69.5%-8.8pp |
| Annual return | 25.37% | 111.86%-86.5pp | 71.40%-46.0pp | 81.01%-55.6pp |
| Employer contribution / active EE | $4,435 | $3,115+42.4% | $4,736-6.3% | $2,440+81.8% |
| Participant deferral / active EE | $8,040 | $5,419+48.4% | $6,710+19.8% | $3,608+122.9% |
| Admin fee / account holder | $437 | $5,959-92.7% | $10,263-95.7% | $5,124-91.5% |