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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 | $22,129 | $93,589-76.4% | $135,942-83.7% | $75,181-70.6% |
| Participation rate | 60.0% | 75.2%-15.2pp | 81.9%-21.9pp | 67.2%-7.2pp |
| Annual return | 26.54% | 30.90%-4.4pp | 68.28%-41.7pp | 160.69%-134.1pp |
| Employer contribution / active EE | $2,819 | $3,537-20.3% | $4,858-42.0% | $2,671+5.5% |
| Participant deferral / active EE | $5,989 | $6,405-6.5% | $7,759-22.8% | $4,126+45.2% |
| Admin fee / account holder | $4,577 | $6,977-34.4% | $10,764-57.5% | $5,650-19.0% |