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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 | $87,847 | $76,383+15.0% | $121,663-27.8% | $64,340+36.5% |
| Participation rate | 66.4% | 60.4%+6.0pp | 74.5%-8.1pp | 55.2%+11.2pp |
| Annual return | 13.67% | 16.98%-3.3pp | 147.54%-133.9pp | 24.14%-10.5pp |
| Employer contribution / active EE | $1,483 | $1,943-23.6% | $3,020-50.9% | $1,862-20.3% |
| Participant deferral / active EE | $4,644 | $3,149+47.5% | $4,887-5.0% | $2,980+55.8% |
| Admin fee / account holder | $8,816 | $4,142+112.9% | $14,289-38.3% | $3,703+138.1% |