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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 | $68,964 | $54,541+26.4% | $78,778-12.5% | $70,126-1.7% |
| Participation rate | 39.0% | 60.8%-21.8pp | 69.2%-30.2pp | 69.5%-30.5pp |
| Annual return | 15.48% | 21.07%-5.6pp | 35.62%-20.1pp | 73.15%-57.7pp |
| Employer contribution / active EE | $1,241 | $1,089+14.0% | $1,986-37.5% | $2,343-47.0% |
| Participant deferral / active EE | $2,833 | $2,210+28.2% | $2,958-4.2% | $3,332-15.0% |
| Admin fee / account holder | $7,726 | $3,709+108.3% | $5,134+50.5% | $4,645+66.3% |