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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 | $78,515 | $84,236-6.8% | $170,435-53.9% | $70,126+12.0% |
| Participation rate | 60.0% | 70.8%-10.8pp | 83.6%-23.6pp | 69.5%-9.5pp |
| Annual return | 16.59% | 23.06%-6.5pp | 205.94%-189.3pp | 73.15%-56.6pp |
| Employer contribution / active EE | $3,735 | $3,387+10.3% | $5,432-31.3% | $2,343+59.4% |
| Participant deferral / active EE | $2,278 | $3,086-26.2% | $4,939-53.9% | $3,332-31.6% |
| Admin fee / account holder | $580 | $5,698-89.8% | $13,881-95.8% | $4,645-87.5% |