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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 | $73,759 | $60,442+22.0% | $96,754-23.8% | $87,485-15.7% |
| Participation rate | 47.2% | 58.7%-11.5pp | 70.3%-23.1pp | 68.9%-21.7pp |
| Annual return | 16.41% | 21.97%-5.6pp | 82.04%-65.6pp | 26.06%-9.7pp |
| Employer contribution / active EE | $1,457 | $1,691-13.8% | $2,679-45.6% | $2,596-43.9% |
| Participant deferral / active EE | $3,755 | $3,280+14.5% | $4,758-21.1% | $4,274-12.1% |
| Admin fee / account holder | $1,484 | $5,069-70.7% | $8,905-83.3% | $7,775-80.9% |