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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 | $69,913 | $57,541+21.5% | $95,740-27.0% | $75,173-7.0% |
| Participation rate | 59.3% | 62.5%-3.2pp | 72.3%-12.9pp | 67.2%-7.9pp |
| Annual return | 14.31% | 34.93%-20.6pp | 28.41%-14.1pp | 160.72%-146.4pp |
| Employer contribution / active EE | $1,269 | $1,808-29.8% | $2,836-55.2% | $2,671-52.5% |
| Participant deferral / active EE | $2,715 | $3,074-11.7% | $4,244-36.0% | $4,126-34.2% |
| Admin fee / account holder | $10,676 | $4,099+160.5% | $5,676+88.1% | $5,651+88.9% |