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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 | $56,096 | $63,703-11.9% | $93,063-39.7% | $82,448-32.0% |
| Participation rate | 58.2% | 63.8%-5.7pp | 72.1%-14.0pp | 68.1%-9.9pp |
| Annual return | 18.62% | -775.43%+794.0pp | 34.15%-15.5pp | 41.64%-23.0pp |
| Employer contribution / active EE | $2,232 | $1,729+29.1% | $2,476-9.9% | $2,551-12.5% |
| Participant deferral / active EE | $4,642 | $2,919+59.0% | $3,958+17.3% | $4,139+12.1% |
| Admin fee / account holder | $3,121 | $5,982-47.8% | $6,033-48.3% | $7,234-56.9% |