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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 | $65,912 | $54,541+20.8% | $78,778-16.3% | $70,126-6.0% |
| Participation rate | 64.1% | 60.8%+3.3pp | 69.2%-5.1pp | 69.5%-5.4pp |
| Annual return | 15.86% | 21.07%-5.2pp | 35.62%-19.8pp | 73.15%-57.3pp |
| Employer contribution / active EE | $1,005 | $1,089-7.7% | $1,986-49.4% | $2,343-57.1% |
| Participant deferral / active EE | $3,486 | $2,210+57.7% | $2,958+17.8% | $3,332+4.6% |
| Admin fee / account holder | $6,650 | $3,709+79.3% | $5,134+29.5% | $4,645+43.1% |