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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 | $78,754 | $91,167-13.6% | $178,498-55.9% | $79,858-1.4% |
| Participation rate | 67.4% | 69.2%-1.8pp | 81.9%-14.5pp | 69.6%-2.2pp |
| Annual return | 25.28% | 24.19%+1.1pp | 151.09%-125.8pp | 31.72%-6.4pp |
| Employer contribution / active EE | $2,839 | $3,255-12.8% | $5,011-43.3% | $2,471+14.9% |
| Participant deferral / active EE | $4,191 | $3,236+29.5% | $5,202-19.4% | $3,740+12.1% |
| Admin fee / account holder | $4,212 | $6,747-37.6% | $13,985-69.9% | $5,306-20.6% |