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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 | $70,244 | $65,364+7.5% | $92,909-24.4% | $72,975-3.7% |
| Participation rate | 53.8% | 68.3%-14.6pp | 76.0%-22.3pp | 69.5%-15.7pp |
| Annual return | 22.01% | 42.11%-20.1pp | 109.44%-87.4pp | 81.01%-59.0pp |
| Employer contribution / active EE | $2,819 | $2,594+8.7% | $3,653-22.8% | $2,440+15.5% |
| Participant deferral / active EE | $4,921 | $3,128+57.3% | $4,238+16.1% | $3,608+36.4% |
| Admin fee / account holder | $3,750 | $4,251-11.8% | $5,795-35.3% | $5,124-26.8% |