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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 | $64,024 | $88,672-27.8% | $105,223-39.2% | $82,448-22.3% |
| Participation rate | 60.5% | 67.9%-7.4pp | 75.0%-14.5pp | 68.1%-7.5pp |
| Annual return | 13.30% | 30.86%-17.6pp | 180.65%-167.3pp | 41.64%-28.3pp |
| Employer contribution / active EE | $2,128 | $3,048-30.2% | $3,689-42.3% | $2,551-16.6% |
| Participant deferral / active EE | $4,265 | $4,036+5.7% | $5,072-15.9% | $4,139+3.0% |
| Admin fee / account holder | $8,663 | $7,146+21.2% | $8,859-2.2% | $7,234+19.8% |