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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 | $68,572 | $77,908-12.0% | $149,696-54.2% | $75,173-8.8% |
| Participation rate | 68.6% | 65.6%+3.0pp | 78.8%-10.2pp | 67.2%+1.4pp |
| Annual return | 20.10% | 31.73%-11.6pp | 134.46%-114.4pp | 160.72%-140.6pp |
| Employer contribution / active EE | $1,905 | $3,138-39.3% | $4,821-60.5% | $2,671-28.7% |
| Participant deferral / active EE | $3,954 | $3,411+15.9% | $5,682-30.4% | $4,126-4.2% |
| Admin fee / account holder | $5,427 | $5,950-8.8% | $13,212-58.9% | $5,651-4.0% |