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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 | $90,988 | $75,058+21.2% | $152,301-40.3% | $64,340+41.4% |
| Participation rate | 65.0% | 60.9%+4.1pp | 82.4%-17.4pp | 55.2%+9.8pp |
| Annual return | 16.86% | 29.93%-13.1pp | 80.50%-63.6pp | 24.14%-7.3pp |
| Employer contribution / active EE | $517 | $2,605-80.1% | $4,624-88.8% | $1,862-72.2% |
| Participant deferral / active EE | $5,231 | $5,041+3.8% | $8,004-34.6% | $2,980+75.5% |
| Admin fee / account holder | $1,805 | $4,050-55.4% | $14,398-87.5% | $3,703-51.2% |