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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 | $63,350 | $76,551-17.2% | $123,894-48.9% | $62,881+0.7% |
| Participation rate | 68.3% | 73.0%-4.7pp | 81.4%-13.1pp | 69.3%-1.0pp |
| Annual return | 7.78% | 18.68%-10.9pp | 47.52%-39.7pp | 20.14%-12.4pp |
| Employer contribution / active EE | $807 | $2,882-72.0% | $4,617-82.5% | $2,281-64.6% |
| Participant deferral / active EE | $5,520 | $4,840+14.1% | $5,984-7.8% | $3,203+72.3% |
| Admin fee / account holder | $13,635 | $4,826+182.6% | $8,357+63.2% | $4,296+217.4% |