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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 | $55,251 | $93,617-41.0% | $135,982-59.4% | $75,177-26.5% |
| Participation rate | 64.4% | 75.2%-10.8pp | 81.9%-17.5pp | 67.2%-2.8pp |
| Annual return | 24.06% | 30.89%-6.8pp | 68.32%-44.3pp | 160.75%-136.7pp |
| Employer contribution / active EE | $2,551 | $3,538-27.9% | $4,859-47.5% | $2,671-4.5% |
| Participant deferral / active EE | $5,521 | $6,406-13.8% | $7,760-28.8% | $4,126+33.8% |
| Admin fee / account holder | $11,827 | $6,980+69.4% | $10,767+9.8% | $5,651+109.3% |