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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 | $78,625 | $88,672-11.3% | $105,223-25.3% | $82,448-4.6% |
| Participation rate | 64.7% | 67.9%-3.2pp | 75.0%-10.3pp | 68.1%-3.4pp |
| Annual return | 21.37% | 30.86%-9.5pp | 180.65%-159.3pp | 41.64%-20.3pp |
| Employer contribution / active EE | $1,105 | $3,048-63.8% | $3,689-70.1% | $2,551-56.7% |
| Participant deferral / active EE | $6,097 | $4,036+51.1% | $5,072+20.2% | $4,139+47.3% |
| Admin fee / account holder | $4,493 | $7,146-37.1% | $8,859-49.3% | $7,234-37.9% |