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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 | $76,982 | $100,003-23.0% | $146,685-47.5% | $85,856-10.3% |
| Participation rate | 54.5% | 73.1%-18.5pp | 80.1%-25.5pp | 69.3%-14.8pp |
| Annual return | 35.95% | 18.93%+17.0pp | 22.75%+13.2pp | 318.58%-282.6pp |
| Employer contribution / active EE | $1,561 | $2,559-39.0% | $4,137-62.3% | $2,565-39.2% |
| Participant deferral / active EE | $2,700 | $4,006-32.6% | $5,507-51.0% | $3,952-31.7% |
| Admin fee / account holder | $1,334 | $7,704-82.7% | $10,281-87.0% | $6,261-78.7% |