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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 | $92,676 | $48,364+91.6% | $71,796+29.1% | $62,881+47.4% |
| Participation rate | 66.7% | 60.6%+6.0pp | 69.1%-2.4pp | 69.3%-2.6pp |
| Annual return | 7.79% | 13.16%-5.4pp | 78.04%-70.3pp | 20.14%-12.4pp |
| Employer contribution / active EE | $1,069 | $1,042+2.6% | $1,924-44.5% | $2,281-53.1% |
| Participant deferral / active EE | $1,903 | $2,091-9.0% | $2,794-31.9% | $3,203-40.6% |
| Admin fee / account holder | $1,235 | $3,771-67.2% | $4,815-74.3% | $4,296-71.2% |