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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 | $64,826 | $80,992-20.0% | $96,534-32.8% | $75,173-13.8% |
| Participation rate | 52.0% | 71.8%-19.8pp | 76.0%-24.0pp | 67.2%-15.2pp |
| Annual return | 18.02% | 27.05%-9.0pp | 25.88%-7.9pp | 160.72%-142.7pp |
| Employer contribution / active EE | $3,450 | $2,283+51.1% | $2,965+16.3% | $2,671+29.2% |
| Participant deferral / active EE | $7,261 | $3,929+84.8% | $4,851+49.7% | $4,126+76.0% |
| Admin fee / account holder | $14,091 | $6,717+109.8% | $8,253+70.7% | $5,651+149.4% |