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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 | $67,477 | $45,126+49.5% | $85,187-20.8% | $74,459-9.4% |
| Participation rate | 38.3% | 49.4%-11.0pp | 67.5%-29.2pp | 67.2%-28.9pp |
| Annual return | 14.80% | 26.30%-11.5pp | 66.67%-51.9pp | 1369.70%-1354.9pp |
| Employer contribution / active EE | $1,451 | $1,460-0.7% | $2,732-46.9% | $2,626-44.8% |
| Participant deferral / active EE | $3,016 | $2,738+10.1% | $4,525-33.3% | $4,350-30.7% |
| Admin fee / account holder | $3,770 | $2,212+70.4% | $6,162-38.8% | $1,945+93.8% |