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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 | $67,279 | $63,949+5.2% | $129,031-47.9% | $94,015-28.4% |
| Participation rate | 67.2% | 63.4%+3.8pp | 73.4%-6.1pp | 70.8%-3.6pp |
| Annual return | 13.92% | 17.56%-3.6pp | 34.67%-20.8pp | 17.84%-3.9pp |
| Employer contribution / active EE | $1,091 | $1,865-41.5% | $3,226-66.2% | $2,790-60.9% |
| Participant deferral / active EE | $3,998 | $3,686+8.5% | $5,217-23.4% | $4,249-5.9% |
| Admin fee / account holder | $47,847 | $5,523+766.3% | $13,208+262.3% | $8,951+434.5% |