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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 | $55,425 | $78,672-29.5% | $109,163-49.2% | $85,856-35.4% |
| Participation rate | 64.7% | 68.3%-3.6pp | 75.9%-11.2pp | 69.3%-4.6pp |
| Annual return | 12.39% | 25.09%-12.7pp | 25.75%-13.4pp | 318.58%-306.2pp |
| Employer contribution / active EE | $7,976 | $2,734+191.8% | $3,723+114.3% | $2,565+210.9% |
| Participant deferral / active EE | $2,601 | $3,467-25.0% | $4,654-44.1% | $3,952-34.2% |
| Admin fee / account holder | $5,914 | $5,470+8.1% | $6,754-12.4% | $6,261-5.5% |