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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 | $80,605 | $65,364+23.3% | $92,909-13.2% | $72,975+10.5% |
| Participation rate | 69.2% | 68.3%+0.9pp | 76.0%-6.8pp | 69.5%-0.3pp |
| Annual return | 20.93% | 42.11%-21.2pp | 109.44%-88.5pp | 81.01%-60.1pp |
| Employer contribution / active EE | $3,546 | $2,594+36.7% | $3,653-2.9% | $2,440+45.3% |
| Participant deferral / active EE | $2,848 | $3,128-9.0% | $4,238-32.8% | $3,608-21.1% |
| Admin fee / account holder | $3,521 | $4,251-17.2% | $5,795-39.2% | $5,124-31.3% |