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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 | $61,925 | $102,422-39.5% | $147,117-57.9% | $80,959-23.5% |
| Participation rate | 64.3% | 75.9%-11.6pp | 82.2%-17.9pp | 67.7%-3.4pp |
| Annual return | 12.38% | 135.16%-122.8pp | 420.54%-408.2pp | 35.67%-23.3pp |
| Employer contribution / active EE | $5,064 | $3,717+36.2% | $4,932+2.7% | $2,757+83.7% |
| Participant deferral / active EE | $2,797 | $6,652-57.9% | $8,065-65.3% | $4,300-35.0% |
| Admin fee / account holder | $726 | $7,953-90.9% | $12,993-94.4% | $6,925-89.5% |