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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 | $36,427 | $93,589-61.1% | $135,942-73.2% | $75,181-51.5% |
| Participation rate | 69.6% | 75.2%-5.5pp | 81.9%-12.3pp | 67.2%+2.4pp |
| Annual return | 23.92% | 30.90%-7.0pp | 68.28%-44.4pp | 160.69%-136.8pp |
| Employer contribution / active EE | $2,566 | $3,537-27.5% | $4,858-47.2% | $2,671-3.9% |
| Participant deferral / active EE | $5,148 | $6,405-19.6% | $7,759-33.6% | $4,126+24.8% |
| Admin fee / account holder | $8,856 | $6,977+26.9% | $10,764-17.7% | $5,650+56.8% |