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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 | $72,334 | $62,672+15.4% | $185,117-60.9% | $70,126+3.1% |
| Participation rate | 65.6% | 63.8%+1.8pp | 77.3%-11.6pp | 69.5%-3.9pp |
| Annual return | 13.38% | 40.79%-27.4pp | 40.50%-27.1pp | 73.15%-59.8pp |
| Employer contribution / active EE | $2,461 | $1,753+40.4% | $4,182-41.2% | $2,343+5.0% |
| Participant deferral / active EE | $5,230 | $3,272+59.9% | $5,045+3.7% | $3,332+57.0% |
| Admin fee / account holder | $6,656 | $3,932+69.3% | $8,159-18.4% | $4,645+43.3% |