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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 | $83,496 | $65,034+28.4% | $90,970-8.2% | $79,856+4.6% |
| Participation rate | 64.3% | 61.6%+2.7pp | 69.0%-4.7pp | 69.6%-5.4pp |
| Annual return | 17.84% | 30.45%-12.6pp | 134.60%-116.8pp | 31.71%-13.9pp |
| Employer contribution / active EE | $1,675 | $1,247+34.3% | $2,122-21.1% | $2,471-32.2% |
| Participant deferral / active EE | $3,147 | $2,512+25.3% | $3,373-6.7% | $3,741-15.9% |
| Admin fee / account holder | $1,901 | $4,536-58.1% | $5,961-68.1% | $5,306-64.2% |