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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 | $68,413 | $83,843-18.4% | $123,973-44.8% | $65,306+4.8% |
| Participation rate | 56.2% | 56.0%+0.2pp | 76.7%-20.4pp | 57.7%-1.5pp |
| Annual return | 13.55% | 19.87%-6.3pp | 388.13%-374.6pp | 21.94%-8.4pp |
| Employer contribution / active EE | $1,427 | $2,873-50.3% | $4,126-65.4% | $1,967-27.4% |
| Participant deferral / active EE | $2,342 | $2,997-21.8% | $5,247-55.4% | $2,959-20.9% |
| Admin fee / account holder | $3,947 | $4,735-16.6% | $11,799-66.5% | $3,480+13.4% |