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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 | $73,301 | $85,060-13.8% | $70,548+3.9% | $139,456-47.4% |
| Participation rate | 58.3% | 73.9%-15.6pp | 68.3%-10.0pp | 80.3%-22.0pp |
| Annual return | 12.42% | 30.38%-18.0pp | 32.78%-20.4pp | 373.45%-361.0pp |
| Employer contribution / active EE | $4,029 | $3,911+3.0% | $2,975+35.4% | $4,753-15.2% |
| Participant deferral / active EE | $7,500 | $5,890+27.3% | $4,567+64.2% | $6,711+11.7% |
| Admin fee / account holder | $700 | $8,925-92.2% | $6,424-89.1% | $11,407-93.9% |