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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 | $37,076 | $93,598-60.4% | $135,974-72.7% | $75,173-50.7% |
| Participation rate | 66.7% | 75.2%-8.5pp | 81.9%-15.3pp | 67.2%-0.5pp |
| Annual return | 23.58% | 30.89%-7.3pp | 68.30%-44.7pp | 160.72%-137.1pp |
| Employer contribution / active EE | $3,097 | $3,538-12.5% | $4,859-36.3% | $2,671+15.9% |
| Participant deferral / active EE | $7,026 | $6,405+9.7% | $7,760-9.5% | $4,126+70.3% |
| Admin fee / account holder | $8,576 | $6,978+22.9% | $10,767-20.3% | $5,651+51.8% |