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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 | $70,686 | $65,034+8.7% | $90,970-22.3% | $79,856-11.5% |
| Participation rate | 60.4% | 61.6%-1.2pp | 69.0%-8.6pp | 69.6%-9.2pp |
| Annual return | 12.54% | 30.45%-17.9pp | 134.60%-122.1pp | 31.71%-19.2pp |
| Employer contribution / active EE | $2,410 | $1,247+93.2% | $2,122+13.6% | $2,471-2.5% |
| Participant deferral / active EE | $3,085 | $2,512+22.8% | $3,373-8.5% | $3,741-17.5% |
| Admin fee / account holder | $13,027 | $4,536+187.2% | $5,961+118.5% | $5,306+145.5% |