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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 | $74,300 | $59,220+25.5% | $96,570-23.1% | $79,391-6.4% |
| Participation rate | 63.6% | 61.9%+1.7pp | 69.8%-6.2pp | 70.7%-7.1pp |
| Annual return | 17.55% | 27.08%-9.5pp | 37.79%-20.2pp | 116.88%-99.3pp |
| Employer contribution / active EE | $1,380 | $1,216+13.5% | $2,357-41.4% | $2,428-43.1% |
| Participant deferral / active EE | $3,127 | $2,948+6.0% | $3,849-18.8% | $4,046-22.7% |
| Admin fee / account holder | $2,632 | $659+299.7% | $6,182-57.4% | $627+320.1% |