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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 | $70,234 | $86,288-18.6% | $111,306-36.9% | $85,851-18.2% |
| Participation rate | 57.1% | 73.3%-16.2pp | 77.3%-20.2pp | 69.3%-12.2pp |
| Annual return | 20.78% | 19.99%+0.8pp | 54.67%-33.9pp | 318.63%-297.9pp |
| Employer contribution / active EE | $1,824 | $2,044-10.8% | $2,732-33.2% | $2,565-28.9% |
| Participant deferral / active EE | $8,123 | $3,641+123.1% | $4,488+81.0% | $3,952+105.5% |
| Admin fee / account holder | $2,319 | $8,189-71.7% | $7,966-70.9% | $6,261-63.0% |