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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 | $56,306 | $80,983-30.5% | $96,544-41.7% | $75,177-25.1% |
| Participation rate | 68.0% | 71.8%-3.8pp | 76.0%-8.0pp | 67.2%+0.8pp |
| Annual return | 14.64% | 27.05%-12.4pp | 25.88%-11.2pp | 160.75%-146.1pp |
| Employer contribution / active EE | $2,249 | $2,282-1.5% | $2,966-24.2% | $2,671-15.8% |
| Participant deferral / active EE | $4,607 | $3,929+17.3% | $4,851-5.0% | $4,126+11.6% |
| Admin fee / account holder | $1,186 | $6,717-82.3% | $8,254-85.6% | $5,651-79.0% |