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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 | $75,917 | $62,672+21.1% | $185,117-59.0% | $70,124+8.3% |
| Participation rate | 45.2% | 63.8%-18.6pp | 77.3%-32.1pp | 69.5%-24.3pp |
| Annual return | 22.51% | 40.79%-18.3pp | 40.50%-18.0pp | 73.14%-50.6pp |
| Employer contribution / active EE | $1,550 | $1,753-11.6% | $4,182-62.9% | $2,342-33.8% |
| Participant deferral / active EE | $2,874 | $3,272-12.1% | $5,045-43.0% | $3,332-13.7% |
| Admin fee / account holder | $4,206 | $3,932+7.0% | $8,159-48.4% | $4,645-9.5% |