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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 | $73,882 | $81,208-9.0% | $98,920-25.3% | $79,856-7.5% |
| Participation rate | 69.9% | 72.5%-2.6pp | 76.0%-6.2pp | 69.6%+0.2pp |
| Annual return | 12.48% | 60.99%-48.5pp | 196.47%-184.0pp | 31.71%-19.2pp |
| Employer contribution / active EE | $1,574 | $1,960-19.7% | $2,689-41.5% | $2,471-36.3% |
| Participant deferral / active EE | $2,499 | $3,265-23.5% | $4,245-41.1% | $3,741-33.2% |
| Admin fee / account holder | $4,088 | $6,013-32.0% | $6,643-38.5% | $5,306-23.0% |