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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 | $27,913 | $98,766-71.7% | $149,730-81.4% | $79,852-65.0% |
| Participation rate | 61.5% | 75.8%-14.2pp | 82.5%-20.9pp | 69.6%-8.1pp |
| Annual return | 33.12% | 27.43%+5.7pp | 276.70%-243.6pp | 31.72%+1.4pp |
| Employer contribution / active EE | $3,893 | $3,217+21.0% | $4,645-16.2% | $2,471+57.5% |
| Participant deferral / active EE | $8,158 | $5,681+43.6% | $6,843+19.2% | $3,740+118.1% |
| Admin fee / account holder | $3,883 | $6,052-35.8% | $9,310-58.3% | $5,306-26.8% |