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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 | $59,320 | $68,878-13.9% | $120,574-50.8% | $80,935-26.7% |
| Participation rate | 64.2% | 61.7%+2.5pp | 71.9%-7.8pp | 67.7%-3.5pp |
| Annual return | 11.91% | 23.67%-11.8pp | 107.42%-95.5pp | 35.66%-23.7pp |
| Employer contribution / active EE | $2,894 | $2,065+40.2% | $3,471-16.6% | $2,757+5.0% |
| Participant deferral / active EE | $3,814 | $3,189+19.6% | $4,996-23.7% | $4,299-11.3% |
| Admin fee / account holder | $1,166 | $5,782-79.8% | $9,445-87.7% | $6,924-83.2% |