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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 | $69,787 | $81,358-14.2% | $155,556-55.1% | $80,959-13.8% |
| Participation rate | 69.2% | 66.3%+3.0pp | 78.2%-9.0pp | 67.7%+1.6pp |
| Annual return | 11.28% | 33.39%-22.1pp | 64.84%-53.6pp | 35.67%-24.4pp |
| Employer contribution / active EE | $1,868 | $3,106-39.9% | $4,675-60.1% | $2,757-32.3% |
| Participant deferral / active EE | $3,653 | $3,455+5.7% | $5,631-35.1% | $4,300-15.1% |
| Admin fee / account holder | $1,162 | $7,994-85.5% | $15,885-92.7% | $6,925-83.2% |