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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 | $65,823 | $58,099+13.3% | $76,872-14.4% | $75,173-12.4% |
| Participation rate | 44.1% | 63.9%-19.8pp | 69.6%-25.5pp | 67.2%-23.1pp |
| Annual return | 18.94% | 26.71%-7.8pp | 37.90%-19.0pp | 160.72%-141.8pp |
| Employer contribution / active EE | $1,607 | $1,996-19.5% | $2,533-36.6% | $2,671-39.8% |
| Participant deferral / active EE | $4,857 | $2,999+62.0% | $3,832+26.8% | $4,126+17.7% |
| Admin fee / account holder | $2,047 | $4,778-57.1% | $5,476-62.6% | $5,651-63.8% |