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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 | $65,093 | $61,390+6.0% | $112,228-42.0% | $75,177-13.4% |
| Participation rate | 64.2% | 61.6%+2.5pp | 72.4%-8.3pp | 67.2%-3.0pp |
| Annual return | 15.03% | 28.47%-13.4pp | 30.23%-15.2pp | 160.75%-145.7pp |
| Employer contribution / active EE | $1,370 | $2,015-32.0% | $3,432-60.1% | $2,671-48.7% |
| Participant deferral / active EE | $2,601 | $3,108-16.3% | $4,800-45.8% | $4,126-37.0% |
| Admin fee / account holder | $4,351 | $4,862-10.5% | $7,752-43.9% | $5,651-23.0% |