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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 | $68,547 | $61,125+12.1% | $94,057-27.1% | $87,485-21.6% |
| Participation rate | 56.7% | 64.1%-7.4pp | 73.3%-16.7pp | 68.9%-12.3pp |
| Annual return | 18.10% | 35.20%-17.1pp | 480.62%-462.5pp | 26.06%-8.0pp |
| Employer contribution / active EE | $2,236 | $2,136+4.7% | $2,933-23.8% | $2,596-13.9% |
| Participant deferral / active EE | $3,901 | $3,260+19.7% | $4,709-17.2% | $4,274-8.7% |
| Admin fee / account holder | $4,857 | $5,629-13.7% | $7,244-33.0% | $7,775-37.5% |