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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 | $91,124 | $57,073+59.7% | $85,126+7.0% | $80,925+12.6% |
| Participation rate | 63.6% | 56.4%+7.2pp | 67.5%-3.9pp | 67.7%-4.0pp |
| Annual return | 17.37% | 21.69%-4.3pp | 66.63%-49.3pp | 35.65%-18.3pp |
| Employer contribution / active EE | $1,690 | $1,801-6.2% | $2,731-38.1% | $2,756-38.7% |
| Participant deferral / active EE | $4,180 | $3,113+34.3% | $4,523-7.6% | $4,299-2.8% |
| Admin fee / account holder | $1,132 | $4,988-77.3% | $6,160-81.6% | $6,940-83.7% |