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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 | $54,876 | $107,421-48.9% | $182,262-69.9% | $94,015-41.6% |
| Participation rate | 65.8% | 77.8%-12.0pp | 84.2%-18.4pp | 70.8%-5.0pp |
| Annual return | 16.72% | 21.32%-4.6pp | 140.60%-123.9pp | 17.84%-1.1pp |
| Employer contribution / active EE | $827 | $3,448-76.0% | $5,046-83.6% | $2,790-70.4% |
| Participant deferral / active EE | $8,103 | $6,558+23.6% | $8,276-2.1% | $4,249+90.7% |
| Admin fee / account holder | $15,132 | $8,692+74.1% | $16,712-9.5% | $8,951+69.0% |