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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 | $75,070 | $76,550-1.9% | $123,894-39.4% | $62,881+19.4% |
| Participation rate | 59.5% | 73.0%-13.5pp | 81.4%-21.9pp | 69.3%-9.8pp |
| Annual return | 8.45% | 18.67%-10.2pp | 47.52%-39.1pp | 20.14%-11.7pp |
| Employer contribution / active EE | $1,832 | $2,882-36.4% | $4,617-60.3% | $2,281-19.7% |
| Participant deferral / active EE | $4,286 | $4,840-11.4% | $5,984-28.4% | $3,203+33.8% |
| Admin fee / account holder | $2,832 | $4,826-41.3% | $8,357-66.1% | $4,296-34.1% |