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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 | $84,877 | $52,279+62.4% | $89,414-5.1% | $79,852+6.3% |
| Participation rate | 58.6% | 57.5%+1.0pp | 68.0%-9.4pp | 69.6%-11.1pp |
| Annual return | 17.39% | 22.16%-4.8pp | 245.50%-228.1pp | 31.72%-14.3pp |
| Employer contribution / active EE | $1,438 | $1,572-8.5% | $2,586-44.4% | $2,471-41.8% |
| Participant deferral / active EE | $3,701 | $2,740+35.1% | $3,890-4.9% | $3,740-1.1% |
| Admin fee / account holder | $734 | $3,356-78.1% | $4,883-85.0% | $5,306-86.2% |