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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 | $71,453 | $51,222+39.5% | $70,544+1.3% | $75,173-4.9% |
| Participation rate | 63.6% | 61.0%+2.7pp | 68.4%-4.7pp | 67.2%-3.6pp |
| Annual return | 17.05% | 30.06%-13.0pp | 32.79%-15.7pp | 160.72%-143.7pp |
| Employer contribution / active EE | $1,358 | $1,827-25.7% | $2,976-54.4% | $2,671-49.2% |
| Participant deferral / active EE | $2,826 | $2,850-0.8% | $4,568-38.1% | $4,126-31.5% |
| Admin fee / account holder | $1,381 | $4,096-66.3% | $6,427-78.5% | $5,651-75.6% |