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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 | $55,987 | $93,598-40.2% | $135,974-58.8% | $75,173-25.5% |
| Participation rate | 69.2% | 75.2%-6.0pp | 81.9%-12.7pp | 67.2%+2.0pp |
| Annual return | 18.35% | 30.89%-12.5pp | 68.30%-50.0pp | 160.72%-142.4pp |
| Employer contribution / active EE | $2,985 | $3,538-15.6% | $4,859-38.6% | $2,671+11.8% |
| Participant deferral / active EE | $5,754 | $6,405-10.2% | $7,760-25.9% | $4,126+39.4% |
| Admin fee / account holder | $2,777 | $6,978-60.2% | $10,767-74.2% | $5,651-50.9% |