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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 | $56,609 | $111,535-49.2% | $105,223-46.2% | $137,256-58.8% |
| Participation rate | 64.3% | 78.1%-13.8pp | 75.0%-10.8pp | 80.0%-15.7pp |
| Annual return | 127.89% | 237.85%-110.0pp | 180.65%-52.8pp | 220.34%-92.5pp |
| Employer contribution / active EE | $2,552 | $3,939-35.2% | $3,689-30.8% | $4,156-38.6% |
| Participant deferral / active EE | $5,386 | $5,500-2.1% | $5,072+6.2% | $6,407-15.9% |
| Admin fee / account holder | $787 | $9,721-91.9% | $8,859-91.1% | $12,270-93.6% |