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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 | $82,651 | $77,638+6.5% | $156,551-47.2% | $62,881+31.4% |
| Participation rate | 65.7% | 71.2%-5.5pp | 84.0%-18.3pp | 69.3%-3.6pp |
| Annual return | 6.41% | 50.33%-43.9pp | 32.23%-25.8pp | 20.14%-13.7pp |
| Employer contribution / active EE | $410 | $3,444-88.1% | $5,501-92.6% | $2,281-82.0% |
| Participant deferral / active EE | $4,914 | $3,046+61.4% | $4,871+0.9% | $3,203+53.4% |
| Admin fee / account holder | $18,199 | $5,561+227.2% | $13,028+39.7% | $4,296+323.7% |