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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 | $80,332-14.8% | $107,187-36.2% | $64,097+6.7% |
| Participation rate | 56.2% | 54.4%+1.8pp | 75.0%-18.8pp | 55.2%+1.0pp |
| Annual return | 13.55% | 24.26%-10.7pp | 204.55%-191.0pp | 34.64%-21.1pp |
| Employer contribution / active EE | $1,427 | $2,501-42.9% | $3,782-62.3% | $1,891-24.5% |
| Participant deferral / active EE | $2,342 | $3,109-24.7% | $5,096-54.0% | $3,080-24.0% |
| Admin fee / account holder | $3,947 | $4,314-8.5% | $9,162-56.9% | $3,454+14.3% |