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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 | $25,059 | $89,259-71.9% | $107,187-76.6% | $82,637-69.7% |
| Participation rate | 58.5% | 67.9%-9.4pp | 75.0%-16.5pp | 68.1%-9.5pp |
| Annual return | 15.88% | 21.02%-5.1pp | 204.55%-188.7pp | 53.51%-37.6pp |
| Employer contribution / active EE | $2,827 | $3,080-8.2% | $3,782-25.3% | $2,552+10.8% |
| Participant deferral / active EE | $4,196 | $4,037+3.9% | $5,096-17.7% | $4,126+1.7% |
| Admin fee / account holder | $1,705 | $7,381-76.9% | $9,162-81.4% | $7,339-76.8% |