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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 | $91,760-23.2% | $156,181-54.9% | $67,986+3.7% |
| Participation rate | 63.9% | 65.0%-1.1pp | 78.8%-14.9pp | 57.2%+6.7pp |
| Annual return | 18.56% | 18.14%+0.4pp | 64.87%-46.3pp | 31.67%-13.1pp |
| Employer contribution / active EE | $1,911 | $2,419-21.0% | $4,294-55.5% | $2,019-5.3% |
| Participant deferral / active EE | $4,404 | $3,960+11.2% | $6,132-28.2% | $3,358+31.2% |
| Admin fee / account holder | $4,956 | $3,949+25.5% | $14,586-66.0% | $3,203+54.7% |