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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 | $54,180 | $71,208-23.9% | $93,681-42.2% | $80,911-33.0% |
| Participation rate | 63.9% | 60.4%+3.5pp | 68.7%-4.8pp | 67.6%-3.8pp |
| Annual return | 18.92% | 11.27%+7.6pp | 133.47%-114.6pp | 35.63%-16.7pp |
| Employer contribution / active EE | $1,350 | $1,564-13.7% | $2,422-44.3% | $2,756-51.0% |
| Participant deferral / active EE | $2,766 | $4,035-31.4% | $4,415-37.4% | $4,297-35.6% |
| Admin fee / account holder | $6,929 | $6,951-0.3% | $8,290-16.4% | $6,935-0.1% |