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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 | $26,071 | $60,442-56.9% | $96,754-73.1% | $87,485-70.2% |
| Participation rate | 69.2% | 58.7%+10.5pp | 70.3%-1.0pp | 68.9%+0.3pp |
| Annual return | 20.05% | 21.97%-1.9pp | 82.04%-62.0pp | 26.06%-6.0pp |
| Employer contribution / active EE | $6,585 | $1,691+289.5% | $2,679+145.8% | $2,596+153.6% |
| Participant deferral / active EE | $1,746 | $3,280-46.8% | $4,758-63.3% | $4,274-59.1% |
| Admin fee / account holder | $4,680 | $5,069-7.7% | $8,905-47.4% | $7,775-39.8% |