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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 | $61,914 | $93,598-33.9% | $135,974-54.5% | $75,173-17.6% |
| Participation rate | 67.7% | 75.2%-7.5pp | 81.9%-14.2pp | 67.2%+0.5pp |
| Annual return | 21.26% | 30.89%-9.6pp | 68.30%-47.0pp | 160.72%-139.5pp |
| Employer contribution / active EE | $2,452 | $3,538-30.7% | $4,859-49.5% | $2,671-8.2% |
| Participant deferral / active EE | $4,415 | $6,405-31.1% | $7,760-43.1% | $4,126+7.0% |
| Admin fee / account holder | $2,414 | $6,978-65.4% | $10,767-77.6% | $5,651-57.3% |