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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 | $68,850 | $78,423-12.2% | $95,964-28.3% | $79,856-13.8% |
| Participation rate | 67.6% | 73.5%-5.9pp | 77.1%-9.5pp | 69.6%-2.1pp |
| Annual return | 13.97% | 19.37%-5.4pp | 91.64%-77.7pp | 31.71%-17.7pp |
| Employer contribution / active EE | $2,296 | $1,945+18.0% | $2,541-9.7% | $2,471-7.1% |
| Participant deferral / active EE | $4,012 | $3,440+16.6% | $4,167-3.7% | $3,741+7.3% |
| Admin fee / account holder | $5,847 | $5,622+4.0% | $6,797-14.0% | $5,306+10.2% |