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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 | $24,690 | $124,980-80.2% | $108,359-77.2% | $154,746-84.0% |
| Participation rate | 55.6% | 75.2%-19.6pp | 70.1%-14.6pp | 80.7%-25.1pp |
| Annual return | 38.14% | 45.00%-6.9pp | 36.89%+1.2pp | 172.34%-134.2pp |
| Employer contribution / active EE | $3,211 | $2,851+12.6% | $2,399+33.8% | $4,379-26.7% |
| Participant deferral / active EE | $4,535 | $4,743-4.4% | $4,137+9.6% | $6,730-32.6% |
| Admin fee / account holder | $373 | $11,502-96.8% | $9,741-96.2% | $14,365-97.4% |