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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 | $57,399 | $88,996-35.5% | $78,004-26.4% | $138,895-58.7% |
| Participation rate | 57.1% | 74.4%-17.2pp | 69.4%-12.3pp | 79.9%-22.8pp |
| Annual return | 20.66% | 28.03%-7.4pp | 31.07%-10.4pp | 145.39%-124.7pp |
| Employer contribution / active EE | $2,293 | $2,917-21.4% | $2,469-7.1% | $4,194-45.3% |
| Participant deferral / active EE | $4,956 | $4,724+4.9% | $4,092+21.1% | $6,396-22.5% |
| Admin fee / account holder | $3,325 | $8,807-62.2% | $7,578-56.1% | $12,562-73.5% |