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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 | $57,004 | $68,586-16.9% | $120,380-52.6% | $80,911-29.5% |
| Participation rate | 69.8% | 61.6%+8.2pp | 71.9%-2.1pp | 67.6%+2.2pp |
| Annual return | 14.03% | 23.62%-9.6pp | 107.28%-93.2pp | 35.63%-21.6pp |
| Employer contribution / active EE | $1,903 | $2,053-7.3% | $3,465-45.1% | $2,756-30.9% |
| Participant deferral / active EE | $3,448 | $3,174+8.6% | $4,992-30.9% | $4,297-19.8% |
| Admin fee / account holder | $3,146 | $5,733-45.1% | $9,421-66.6% | $6,935-54.6% |