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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 | $79,820 | $93,589-14.7% | $135,942-41.3% | $75,181+6.2% |
| Participation rate | 68.1% | 75.2%-7.1pp | 81.9%-13.8pp | 67.2%+0.9pp |
| Annual return | 24.40% | 30.90%-6.5pp | 68.28%-43.9pp | 160.69%-136.3pp |
| Employer contribution / active EE | $2,264 | $3,537-36.0% | $4,858-53.4% | $2,671-15.2% |
| Participant deferral / active EE | $5,441 | $6,405-15.1% | $7,759-29.9% | $4,126+31.9% |
| Admin fee / account holder | $869 | $6,977-87.5% | $10,764-91.9% | $5,650-84.6% |