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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 | $77,920-26.3% | $149,723-61.6% | $75,177-23.6% |
| Participation rate | 68.8% | 65.6%+3.2pp | 78.8%-10.0pp | 67.2%+1.5pp |
| Annual return | 14.38% | 31.72%-17.3pp | 134.50%-120.1pp | 160.75%-146.4pp |
| Employer contribution / active EE | $2,398 | $3,138-23.6% | $4,821-50.3% | $2,671-10.2% |
| Participant deferral / active EE | $3,853 | $3,411+12.9% | $5,682-32.2% | $4,126-6.6% |
| Admin fee / account holder | $3,815 | $5,951-35.9% | $13,215-71.1% | $5,651-32.5% |