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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 | $78,867 | $58,726+34.3% | $142,898-44.8% | $85,851-8.1% |
| Participation rate | 69.0% | 58.5%+10.5pp | 72.0%-3.0pp | 69.3%-0.4pp |
| Annual return | 12.58% | 27.73%-15.2pp | 5639.64%-5627.1pp | 318.63%-306.1pp |
| Employer contribution / active EE | $1,922 | $1,424+35.0% | $4,146-53.6% | $2,565-25.1% |
| Participant deferral / active EE | $4,647 | $2,609+78.2% | $3,838+21.1% | $3,952+17.6% |
| Admin fee / account holder | $3,260 | $4,234-23.0% | $6,560-50.3% | $6,261-47.9% |