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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 | $58,947 | $89,259-34.0% | $107,187-45.0% | $82,637-28.7% |
| Participation rate | 53.7% | 67.9%-14.2pp | 75.0%-21.3pp | 68.1%-14.3pp |
| Annual return | 20.65% | 21.02%-0.4pp | 204.55%-183.9pp | 53.51%-32.9pp |
| Employer contribution / active EE | $2,193 | $3,080-28.8% | $3,782-42.0% | $2,552-14.1% |
| Participant deferral / active EE | $5,042 | $4,037+24.9% | $5,096-1.1% | $4,126+22.2% |
| Admin fee / account holder | $874 | $7,381-88.2% | $9,162-90.5% | $7,339-88.1% |