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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 | $69,619 | $107,421-35.2% | $182,262-61.8% | $94,015-25.9% |
| Participation rate | 66.7% | 77.8%-11.1pp | 84.2%-17.5pp | 70.8%-4.2pp |
| Annual return | 19.76% | 21.32%-1.6pp | 140.60%-120.8pp | 17.84%+1.9pp |
| Employer contribution / active EE | $3,223 | $3,448-6.5% | $5,046-36.1% | $2,790+15.5% |
| Participant deferral / active EE | $8,610 | $6,558+31.3% | $8,276+4.0% | $4,249+102.6% |
| Admin fee / account holder | $13,077 | $8,692+50.5% | $16,712-21.7% | $8,951+46.1% |