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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 | $73,338 | $112,729-34.9% | $98,716-25.7% | $137,256-46.6% |
| Participation rate | 66.7% | 74.2%-7.6pp | 69.3%-2.6pp | 80.0%-13.3pp |
| Annual return | 15.92% | 38.48%-22.6pp | 31.81%-15.9pp | 220.34%-204.4pp |
| Employer contribution / active EE | $1,057 | $2,725-61.2% | $2,279-53.6% | $4,156-74.6% |
| Participant deferral / active EE | $5,496 | $4,640+18.4% | $4,048+35.8% | $6,407-14.2% |
| Admin fee / account holder | $5,108 | $10,129-49.6% | $8,703-41.3% | $12,270-58.4% |