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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 | $65,181 | $106,524-38.8% | $152,301-57.2% | $87,485-25.5% |
| Participation rate | 69.7% | 75.8%-6.0pp | 82.4%-12.7pp | 68.9%+0.8pp |
| Annual return | 17.99% | 26.89%-8.9pp | 80.50%-62.5pp | 26.06%-8.1pp |
| Employer contribution / active EE | $2,707 | $3,371-19.7% | $4,624-41.5% | $2,596+4.3% |
| Participant deferral / active EE | $5,421 | $6,525-16.9% | $8,004-32.3% | $4,274+26.8% |
| Admin fee / account holder | $5,312 | $8,287-35.9% | $14,398-63.1% | $7,775-31.7% |