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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 | $53,771 | $88,360-39.1% | $145,433-63.0% | $67,986-20.9% |
| Participation rate | 57.3% | 65.5%-8.2pp | 82.1%-24.8pp | 57.2%+0.1pp |
| Annual return | 28.33% | 63.15%-34.8pp | 66.58%-38.2pp | 31.67%-3.3pp |
| Employer contribution / active EE | $1,667 | $3,054-45.4% | $4,554-63.4% | $2,019-17.4% |
| Participant deferral / active EE | $7,458 | $5,932+25.7% | $7,897-5.6% | $3,358+122.1% |
| Admin fee / account holder | $5,377 | $3,313+62.3% | $13,129-59.0% | $3,203+67.9% |