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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 | $68,298 | $93,589-27.0% | $135,942-49.8% | $75,181-9.2% |
| Participation rate | 67.6% | 75.2%-7.6pp | 81.9%-14.3pp | 67.2%+0.4pp |
| Annual return | 15.72% | 30.90%-15.2pp | 68.28%-52.6pp | 160.69%-145.0pp |
| Employer contribution / active EE | $1,363 | $3,537-61.5% | $4,858-71.9% | $2,671-48.9% |
| Participant deferral / active EE | $3,161 | $6,405-50.6% | $7,759-59.3% | $4,126-23.4% |
| Admin fee / account holder | $663 | $6,977-90.5% | $10,764-93.8% | $5,650-88.3% |