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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 | $77,475 | $65,027+19.1% | $90,970-14.8% | $79,852-3.0% |
| Participation rate | 39.4% | 61.6%-22.2pp | 69.0%-29.6pp | 69.6%-30.2pp |
| Annual return | 23.46% | 30.45%-7.0pp | 134.58%-111.1pp | 31.72%-8.3pp |
| Employer contribution / active EE | $1,475 | $1,247+18.2% | $2,122-30.5% | $2,471-40.3% |
| Participant deferral / active EE | $2,666 | $2,512+6.1% | $3,373-21.0% | $3,740-28.7% |
| Admin fee / account holder | $3,354 | $4,535-26.1% | $5,960-43.7% | $5,306-36.8% |