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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 | $56,192 | $78,423-28.3% | $95,964-41.4% | $79,856-29.6% |
| Participation rate | 59.6% | 73.5%-13.9pp | 77.1%-17.5pp | 69.6%-10.1pp |
| Annual return | 20.56% | 19.37%+1.2pp | 91.64%-71.1pp | 31.71%-11.1pp |
| Employer contribution / active EE | $1,366 | $1,945-29.8% | $2,541-46.3% | $2,471-44.7% |
| Participant deferral / active EE | $2,101 | $3,440-38.9% | $4,167-49.6% | $3,741-43.8% |
| Admin fee / account holder | $1,065 | $5,622-81.1% | $6,797-84.3% | $5,306-79.9% |