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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 | $60,516 | $93,617-35.4% | $135,982-55.5% | $75,177-19.5% |
| Participation rate | 40.0% | 75.2%-35.2pp | 81.9%-41.9pp | 67.2%-27.2pp |
| Annual return | 79.80% | 30.89%+48.9pp | 68.32%+11.5pp | 160.75%-81.0pp |
| Employer contribution / active EE | $3,025 | $3,538-14.5% | $4,859-37.7% | $2,671+13.2% |
| Participant deferral / active EE | $5,389 | $6,406-15.9% | $7,760-30.6% | $4,126+30.6% |
| Admin fee / account holder | $3,846 | $6,980-44.9% | $10,767-64.3% | $5,651-31.9% |