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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 | $64,735 | $65,566-1.3% | $86,235-24.9% | $75,177-13.9% |
| Participation rate | 65.5% | 60.5%+5.0pp | 69.0%-3.5pp | 67.2%-1.8pp |
| Annual return | 15.50% | 46.07%-30.6pp | 1170.03%-1154.5pp | 160.75%-145.2pp |
| Employer contribution / active EE | $1,163 | $1,553-25.1% | $2,381-51.2% | $2,671-56.5% |
| Participant deferral / active EE | $3,452 | $3,023+14.2% | $3,987-13.4% | $4,126-16.3% |
| Admin fee / account holder | $5,278 | $5,470-3.5% | $6,856-23.0% | $5,651-6.6% |