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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 | $88,325 | $51,202+72.5% | $70,548+25.2% | $75,181+17.5% |
| Participation rate | 63.3% | 61.0%+2.4pp | 68.3%-5.0pp | 67.2%-3.9pp |
| Annual return | 15.28% | 30.05%-14.8pp | 32.78%-17.5pp | 160.69%-145.4pp |
| Employer contribution / active EE | $1,758 | $1,827-3.8% | $2,975-40.9% | $2,671-34.2% |
| Participant deferral / active EE | $4,272 | $2,850+49.9% | $4,567-6.5% | $4,126+3.5% |
| Admin fee / account holder | $1,629 | $4,094-60.2% | $6,424-74.6% | $5,650-71.2% |