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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 | $57,590+16.8% | $86,233-22.0% | $82,448-18.4% |
| Participation rate | 67.2% | 57.9%+9.3pp | 69.0%-1.8pp | 68.1%-0.9pp |
| Annual return | 13.92% | 22.41%-8.5pp | 61.39%-47.5pp | 41.64%-27.7pp |
| Employer contribution / active EE | $1,091 | $1,655-34.1% | $2,504-56.4% | $2,551-57.2% |
| Participant deferral / active EE | $3,998 | $3,080+29.8% | $4,559-12.3% | $4,139-3.4% |
| Admin fee / account holder | $47,847 | $4,730+911.5% | $8,342+473.6% | $7,234+561.4% |