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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 | $70,922 | $87,106-18.6% | $105,607-32.8% | $80,935-12.4% |
| Participation rate | 62.0% | 70.4%-8.4pp | 75.3%-13.3pp | 67.7%-5.7pp |
| Annual return | 26.20% | 17.01%+9.2pp | 116.11%-89.9pp | 35.66%-9.5pp |
| Employer contribution / active EE | $3,362 | $2,396+40.3% | $3,167+6.2% | $2,757+22.0% |
| Participant deferral / active EE | $7,801 | $3,986+95.7% | $5,011+55.7% | $4,299+81.4% |
| Admin fee / account holder | $15,687 | $8,447+85.7% | $10,958+43.2% | $6,924+126.5% |