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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 | $35,837 | $124,980-71.3% | $108,359-66.9% | $154,746-76.8% |
| Participation rate | 64.3% | 75.2%-10.9pp | 70.1%-5.8pp | 80.7%-16.4pp |
| Annual return | 15.78% | 45.00%-29.2pp | 36.89%-21.1pp | 172.34%-156.6pp |
| Employer contribution / active EE | $4,206 | $2,851+47.6% | $2,399+75.3% | $4,379-3.9% |
| Participant deferral / active EE | $11,655 | $4,743+145.7% | $4,137+181.7% | $6,730+73.2% |
| Admin fee / account holder | $14,967 | $11,502+30.1% | $9,741+53.6% | $14,365+4.2% |