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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 | $55,207 | $71,215-22.5% | $93,696-41.1% | $80,935-31.8% |
| Participation rate | 64.0% | 60.4%+3.6pp | 68.7%-4.7pp | 67.7%-3.7pp |
| Annual return | 12.19% | 11.27%+0.9pp | 133.74%-121.5pp | 35.66%-23.5pp |
| Employer contribution / active EE | $1,197 | $1,565-23.5% | $2,422-50.6% | $2,757-56.6% |
| Participant deferral / active EE | $3,789 | $4,037-6.1% | $4,417-14.2% | $4,299-11.9% |
| Admin fee / account holder | $14,030 | $6,958+101.6% | $8,287+69.3% | $6,924+102.6% |