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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 | $59,001 | $47,848+23.3% | $81,473-27.6% | $70,126-15.9% |
| Participation rate | 56.7% | 58.3%-1.6pp | 68.0%-11.3pp | 69.5%-12.9pp |
| Annual return | 14.94% | 27.25%-12.3pp | 38.78%-23.8pp | 73.15%-58.2pp |
| Employer contribution / active EE | $1,724 | $1,527+12.9% | $2,568-32.9% | $2,343-26.4% |
| Participant deferral / active EE | $4,989 | $2,453+103.4% | $3,537+41.1% | $3,332+49.8% |
| Admin fee / account holder | $11,991 | $3,145+281.3% | $4,561+162.9% | $4,645+158.1% |