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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 | $22,811 | $71,197-68.0% | $93,669-75.6% | $80,925-71.8% |
| Participation rate | 63.2% | 60.4%+2.8pp | 68.7%-5.6pp | 67.7%-4.5pp |
| Annual return | 13.49% | 11.27%+2.2pp | 133.59%-120.1pp | 35.65%-22.2pp |
| Employer contribution / active EE | $2,877 | $1,565+83.8% | $2,424+18.7% | $2,756+4.4% |
| Participant deferral / active EE | $4,448 | $4,036+10.2% | $4,416+0.7% | $4,299+3.5% |
| Admin fee / account holder | $4,752 | $6,959-31.7% | $8,291-42.7% | $6,940-31.5% |