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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 | $66,449 | $101,795-34.7% | $165,100-59.8% | $80,959-17.9% |
| Participation rate | 63.0% | 71.8%-8.8pp | 78.6%-15.6pp | 67.7%-4.6pp |
| Annual return | 18.14% | 16.73%+1.4pp | 70.21%-52.1pp | 35.67%-17.5pp |
| Employer contribution / active EE | $3,520 | $2,954+19.2% | $4,348-19.0% | $2,757+27.7% |
| Participant deferral / active EE | $3,993 | $4,476-10.8% | $6,035-33.8% | $4,300-7.1% |
| Admin fee / account holder | $1,352 | $8,221-83.6% | $12,696-89.4% | $6,925-80.5% |