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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 | $70,760 | $51,207+38.2% | $70,565+0.3% | $75,177-5.9% |
| Participation rate | 59.3% | 61.0%-1.6pp | 68.4%-9.0pp | 67.2%-7.9pp |
| Annual return | 18.32% | 30.05%-11.7pp | 32.79%-14.5pp | 160.75%-142.4pp |
| Employer contribution / active EE | $2,070 | $1,826+13.3% | $2,976-30.4% | $2,671-22.5% |
| Participant deferral / active EE | $4,911 | $2,850+72.3% | $4,568+7.5% | $4,126+19.0% |
| Admin fee / account holder | $6,266 | $4,097+52.9% | $6,430-2.5% | $5,651+10.9% |