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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 | $54,619 | $79,955-31.7% | $98,461-44.5% | $75,173-27.3% |
| Participation rate | 68.9% | 70.4%-1.5pp | 75.2%-6.3pp | 67.2%+1.7pp |
| Annual return | 14.19% | 19.75%-5.6pp | 21.17%-7.0pp | 160.72%-146.5pp |
| Employer contribution / active EE | $1,896 | $2,264-16.3% | $3,049-37.8% | $2,671-29.0% |
| Participant deferral / active EE | $3,854 | $3,752+2.7% | $4,738-18.7% | $4,126-6.6% |
| Admin fee / account holder | $1,109 | $6,841-83.8% | $8,961-87.6% | $5,651-80.4% |