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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 | $74,013 | $77,638-4.7% | $156,551-52.7% | $62,881+17.7% |
| Participation rate | 67.7% | 71.2%-3.5pp | 84.0%-16.3pp | 69.3%-1.6pp |
| Annual return | 6.71% | 50.33%-43.6pp | 32.23%-25.5pp | 20.14%-13.4pp |
| Employer contribution / active EE | $962 | $3,444-72.1% | $5,501-82.5% | $2,281-57.8% |
| Participant deferral / active EE | $2,450 | $3,046-19.6% | $4,871-49.7% | $3,203-23.5% |
| Admin fee / account holder | $3,722 | $5,561-33.1% | $13,028-71.4% | $4,296-13.4% |