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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 | $69,128 | $39,162+76.5% | $100,671-31.3% | $59,633+15.9% |
| Participation rate | 65.4% | 55.9%+9.5pp | 70.7%-5.3pp | 68.7%-3.3pp |
| Annual return | -2.19% | 21.07%-23.3pp | 20.43%-22.6pp | 2041.45%-2043.6pp |
| Employer contribution / active EE | $385 | $1,151-66.5% | $4,012-90.4% | $2,203-82.5% |
| Participant deferral / active EE | $1,773 | $1,992-11.0% | $3,144-43.6% | $3,192-44.5% |
| Admin fee / account holder | $3,062 | $2,969+3.1% | $4,850-36.9% | $4,297-28.7% |