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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 | $72,093 | $54,763+31.6% | $90,324-20.2% | $72,976-1.2% |
| Participation rate | 48.8% | 65.2%-16.3pp | 73.3%-24.4pp | 69.5%-20.7pp |
| Annual return | 21.35% | 30.63%-9.3pp | 78.15%-56.8pp | 81.02%-59.7pp |
| Employer contribution / active EE | $2,280 | $2,093+8.9% | $2,856-20.2% | $2,440-6.6% |
| Participant deferral / active EE | $3,761 | $2,887+30.3% | $3,885-3.2% | $3,608+4.3% |
| Admin fee / account holder | $2,464 | $3,973-38.0% | $5,356-54.0% | $5,124-51.9% |