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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 | $40,723 | $54,757-25.6% | $90,300-54.9% | $72,983-44.2% |
| Participation rate | 68.0% | 65.1%+2.9pp | 73.3%-5.3pp | 69.5%-1.5pp |
| Annual return | 24.59% | 30.63%-6.0pp | 78.11%-53.5pp | 81.01%-56.4pp |
| Employer contribution / active EE | $1,817 | $2,092-13.2% | $2,854-36.3% | $2,440-25.5% |
| Participant deferral / active EE | $3,640 | $2,887+26.1% | $3,884-6.3% | $3,608+0.9% |
| Admin fee / account holder | $13,742 | $3,972+246.0% | $5,353+156.7% | $5,124+168.2% |