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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 | $61,470 | $51,222+20.0% | $70,544-12.9% | $75,173-18.2% |
| Participation rate | 53.8% | 61.0%-7.1pp | 68.4%-14.5pp | 67.2%-13.4pp |
| Annual return | 13.93% | 30.06%-16.1pp | 32.79%-18.9pp | 160.72%-146.8pp |
| Employer contribution / active EE | $2,655 | $1,827+45.4% | $2,976-10.8% | $2,671-0.6% |
| Participant deferral / active EE | $4,694 | $2,850+64.7% | $4,568+2.8% | $4,126+13.8% |
| Admin fee / account holder | $4,607 | $4,096+12.5% | $6,427-28.3% | $5,651-18.5% |