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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 | $63,149 | $48,364+30.6% | $71,796-12.0% | $62,881+0.4% |
| Participation rate | 62.2% | 60.6%+1.6pp | 69.1%-6.9pp | 69.3%-7.1pp |
| Annual return | 10.19% | 13.16%-3.0pp | 78.04%-67.8pp | 20.14%-10.0pp |
| Employer contribution / active EE | $551 | $1,042-47.1% | $1,924-71.4% | $2,281-75.8% |
| Participant deferral / active EE | $2,309 | $2,091+10.4% | $2,794-17.4% | $3,203-27.9% |
| Admin fee / account holder | $3,420 | $3,771-9.3% | $4,815-29.0% | $4,296-20.4% |