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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 | $82,829 | $54,541+51.9% | $78,778+5.1% | $70,126+18.1% |
| Participation rate | 66.7% | 60.8%+5.9pp | 69.2%-2.5pp | 69.5%-2.9pp |
| Annual return | 14.69% | 21.07%-6.4pp | 35.62%-20.9pp | 73.15%-58.5pp |
| Employer contribution / active EE | $407 | $1,089-62.6% | $1,986-79.5% | $2,343-82.6% |
| Participant deferral / active EE | $2,138 | $2,210-3.3% | $2,958-27.7% | $3,332-35.8% |
| Admin fee / account holder | $1,844 | $3,709-50.3% | $5,134-64.1% | $4,645-60.3% |