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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 | $72,350 | $79,955-9.5% | $98,461-26.5% | $75,173-3.8% |
| Participation rate | 64.0% | 70.4%-6.4pp | 75.2%-11.2pp | 67.2%-3.2pp |
| Annual return | 14.92% | 19.75%-4.8pp | 21.17%-6.3pp | 160.72%-145.8pp |
| Employer contribution / active EE | $4,082 | $2,264+80.3% | $3,049+33.9% | $2,671+52.8% |
| Participant deferral / active EE | $4,506 | $3,752+20.1% | $4,738-4.9% | $4,126+9.2% |
| Admin fee / account holder | $363 | $6,841-94.7% | $8,961-96.0% | $5,651-93.6% |