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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 | $70,491 | $95,904-26.5% | $173,730-59.4% | $64,340+9.6% |
| Participation rate | 63.9% | 60.6%+3.3pp | 79.6%-15.6pp | 55.2%+8.7pp |
| Annual return | 18.56% | 17.47%+1.1pp | 19.96%-1.4pp | 24.14%-5.6pp |
| Employer contribution / active EE | $1,911 | $2,323-17.7% | $4,577-58.3% | $1,862+2.6% |
| Participant deferral / active EE | $4,404 | $3,488+26.3% | $6,326-30.4% | $2,980+47.8% |
| Admin fee / account holder | $4,956 | $5,089-2.6% | $17,523-71.7% | $3,703+33.9% |