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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 | $58,079 | $99,875-41.8% | $146,866-60.5% | $86,983-33.2% |
| Participation rate | 65.1% | 75.8%-10.7pp | 82.5%-17.4pp | 69.5%-4.4pp |
| Annual return | 17.33% | 28.10%-10.8pp | 102.85%-85.5pp | 25.83%-8.5pp |
| Employer contribution / active EE | $2,744 | $3,224-14.9% | $4,425-38.0% | $2,584+6.2% |
| Participant deferral / active EE | $5,133 | $6,322-18.8% | $7,759-33.9% | $4,194+22.4% |
| Admin fee / account holder | $971 | $7,838-87.6% | $13,620-92.9% | $7,856-87.6% |