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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 | $61,734 | $49,976+23.5% | $66,674-7.4% | $82,637-25.3% |
| Participation rate | 50.9% | 63.1%-12.2pp | 73.7%-22.7pp | 68.1%-17.1pp |
| Annual return | 45.79% | 39.09%+6.7pp | 321.24%-275.5pp | 53.51%-7.7pp |
| Employer contribution / active EE | $1,856 | $1,988-6.6% | $2,620-29.2% | $2,552-27.3% |
| Participant deferral / active EE | $3,859 | $2,847+35.6% | $4,084-5.5% | $4,126-6.5% |
| Admin fee / account holder | $5,042 | $4,594+9.8% | $5,098-1.1% | $7,339-31.3% |