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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 | $89,595 | $81,208+10.3% | $98,916-9.4% | $79,858+12.2% |
| Participation rate | 61.6% | 72.5%-10.9pp | 76.0%-14.4pp | 69.6%-8.0pp |
| Annual return | 20.05% | 60.99%-40.9pp | 196.45%-176.4pp | 31.72%-11.7pp |
| Employer contribution / active EE | $770 | $1,960-60.7% | $2,689-71.4% | $2,471-68.8% |
| Participant deferral / active EE | $4,661 | $3,265+42.8% | $4,245+9.8% | $3,740+24.6% |
| Admin fee / account holder | $3,163 | $6,013-47.4% | $6,642-52.4% | $5,306-40.4% |