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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 | $74,713 | $98,766-24.4% | $149,730-50.1% | $79,852-6.4% |
| Participation rate | 68.4% | 75.8%-7.4pp | 82.5%-14.1pp | 69.6%-1.2pp |
| Annual return | 20.77% | 27.43%-6.7pp | 276.70%-255.9pp | 31.72%-10.9pp |
| Employer contribution / active EE | $2,601 | $3,217-19.1% | $4,645-44.0% | $2,471+5.3% |
| Participant deferral / active EE | $6,633 | $5,681+16.8% | $6,843-3.1% | $3,740+77.3% |
| Admin fee / account holder | $1,204 | $6,052-80.1% | $9,310-87.1% | $5,306-77.3% |