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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 | $64,794 | $60,442+7.2% | $96,754-33.0% | $87,485-25.9% |
| Participation rate | 39.0% | 58.7%-19.7pp | 70.3%-31.2pp | 68.9%-29.9pp |
| Annual return | 28.41% | 21.97%+6.4pp | 82.04%-53.6pp | 26.06%+2.4pp |
| Employer contribution / active EE | $1,945 | $1,691+15.0% | $2,679-27.4% | $2,596-25.1% |
| Participant deferral / active EE | $3,259 | $3,280-0.6% | $4,758-31.5% | $4,274-23.7% |
| Admin fee / account holder | $2,980 | $5,069-41.2% | $8,905-66.5% | $7,775-61.7% |