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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 | $57,424 | $77,905-26.3% | $149,682-61.6% | $75,173-23.6% |
| Participation rate | 68.8% | 65.6%+3.2pp | 78.8%-10.0pp | 67.2%+1.6pp |
| Annual return | 14.38% | 31.72%-17.3pp | 134.35%-120.0pp | 160.65%-146.3pp |
| Employer contribution / active EE | $2,398 | $3,138-23.6% | $4,818-50.2% | $2,670-10.2% |
| Participant deferral / active EE | $3,853 | $3,411+13.0% | $5,681-32.2% | $4,126-6.6% |
| Admin fee / account holder | $3,815 | $5,957-36.0% | $13,210-71.1% | $5,651-32.5% |