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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 | $69,230 | $58,512+18.3% | $84,020-17.6% | $72,983-5.1% |
| Participation rate | 45.7% | 61.2%-15.6pp | 69.0%-23.4pp | 69.5%-23.8pp |
| Annual return | 17.49% | 28.93%-11.4pp | 71.31%-53.8pp | 81.01%-63.5pp |
| Employer contribution / active EE | $2,045 | $1,163+75.8% | $1,984+3.1% | $2,440-16.2% |
| Participant deferral / active EE | $3,923 | $2,394+63.9% | $3,239+21.1% | $3,608+8.7% |
| Admin fee / account holder | $14,214 | $4,569+211.1% | $6,101+133.0% | $5,124+177.4% |