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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 | $70,666-20.3% | $169,385-66.8% | $75,181-25.1% |
| Participation rate | 66.2% | 64.8%+1.4pp | 77.2%-11.0pp | 67.2%-1.0pp |
| Annual return | 17.90% | 36.37%-18.5pp | 405.82%-387.9pp | 160.69%-142.8pp |
| Employer contribution / active EE | $3,730 | $2,210+68.8% | $4,012-7.0% | $2,671+39.7% |
| Participant deferral / active EE | $5,769 | $4,308+33.9% | $6,221-7.3% | $4,126+39.8% |
| Admin fee / account holder | $2,422 | $5,402-55.2% | $9,011-73.1% | $5,650-57.1% |