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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 | $50,626 | $101,798-50.3% | $165,071-69.3% | $80,935-37.4% |
| Participation rate | 69.6% | 71.8%-2.3pp | 78.6%-9.1pp | 67.7%+1.9pp |
| Annual return | 11.91% | 16.73%-4.8pp | 70.17%-58.3pp | 35.66%-23.8pp |
| Employer contribution / active EE | $2,187 | $2,954-26.0% | $4,347-49.7% | $2,757-20.7% |
| Participant deferral / active EE | $3,985 | $4,476-11.0% | $6,035-34.0% | $4,299-7.3% |
| Admin fee / account holder | $14,429 | $8,221+75.5% | $12,695+13.7% | $6,924+108.4% |