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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 | $69,222 | $52,581+31.6% | $130,788-47.1% | $64,340+7.6% |
| Participation rate | 47.9% | 46.5%+1.4pp | 70.1%-22.2pp | 55.2%-7.3pp |
| Annual return | 17.33% | 20.39%-3.1pp | 386.44%-369.1pp | 24.14%-6.8pp |
| Employer contribution / active EE | $1,085 | $1,031+5.3% | $3,558-69.5% | $1,862-41.7% |
| Participant deferral / active EE | $3,619 | $2,200+64.5% | $4,137-12.5% | $2,980+21.4% |
| Admin fee / account holder | $9,761 | $4,583+113.0% | $6,673+46.3% | $3,703+163.6% |