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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 | $85,448 | $71,230+20.0% | $93,727-8.8% | $80,959+5.5% |
| Participation rate | 55.6% | 60.4%-4.8pp | 68.7%-13.2pp | 67.7%-12.1pp |
| Annual return | 13.75% | 11.26%+2.5pp | 133.83%-120.1pp | 35.67%-21.9pp |
| Employer contribution / active EE | $2,176 | $1,565+39.0% | $2,421-10.1% | $2,757-21.1% |
| Participant deferral / active EE | $3,915 | $4,037-3.0% | $4,417-11.4% | $4,300-9.0% |
| Admin fee / account holder | $1,136 | $6,961-83.7% | $8,292-86.3% | $6,925-83.6% |