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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 | $78,038 | $106,749-26.9% | $145,433-46.3% | $82,448-5.3% |
| Participation rate | 68.6% | 75.6%-7.1pp | 82.1%-13.5pp | 68.1%+0.5pp |
| Annual return | 16.05% | 27.59%-11.5pp | 66.58%-50.5pp | 41.64%-25.6pp |
| Employer contribution / active EE | $2,612 | $3,444-24.2% | $4,554-42.6% | $2,551+2.4% |
| Participant deferral / active EE | $3,878 | $6,519-40.5% | $7,897-50.9% | $4,139-6.3% |
| Admin fee / account holder | $5,213 | $8,390-37.9% | $13,129-60.3% | $7,234-27.9% |