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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 | $21,814 | $61,605-64.6% | $112,273-80.6% | $75,173-71.0% |
| Participation rate | 56.3% | 61.7%-5.4pp | 72.4%-16.2pp | 67.2%-11.0pp |
| Annual return | 62.06% | 28.47%+33.6pp | 30.23%+31.8pp | 160.72%-98.7pp |
| Employer contribution / active EE | $2,223 | $2,015+10.3% | $3,431-35.2% | $2,671-16.8% |
| Participant deferral / active EE | $3,835 | $3,108+23.4% | $4,800-20.1% | $4,126-7.1% |
| Admin fee / account holder | $923 | $4,862-81.0% | $7,752-88.1% | $5,651-83.7% |