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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 | $43,484 | $58,828-26.1% | $78,002-44.3% | $62,881-30.8% |
| Participation rate | 63.1% | 71.1%-8.0pp | 75.5%-12.4pp | 69.3%-6.2pp |
| Annual return | 18.43% | 17.16%+1.3pp | 425.99%-407.6pp | 20.14%-1.7pp |
| Employer contribution / active EE | $1,918 | $1,672+14.7% | $2,470-22.4% | $2,281-15.9% |
| Participant deferral / active EE | $3,346 | $2,686+24.6% | $3,497-4.3% | $3,203+4.5% |
| Admin fee / account holder | $6,713 | $4,393+52.8% | $5,481+22.5% | $4,296+56.3% |