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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 | $70,577 | $58,828+20.0% | $78,002-9.5% | $62,881+12.2% |
| Participation rate | 68.3% | 71.1%-2.8pp | 75.5%-7.2pp | 69.3%-1.0pp |
| Annual return | 7.21% | 17.16%-9.9pp | 425.99%-418.8pp | 20.14%-12.9pp |
| Employer contribution / active EE | $2,666 | $1,672+59.5% | $2,470+7.9% | $2,281+16.9% |
| Participant deferral / active EE | $4,541 | $2,686+69.1% | $3,497+29.8% | $3,203+41.8% |
| Admin fee / account holder | $3,018 | $4,393-31.3% | $5,481-44.9% | $4,296-29.7% |