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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 | $70,234 | $81,208-13.5% | $98,920-29.0% | $79,856-12.0% |
| Participation rate | 65.8% | 72.5%-6.7pp | 76.0%-10.2pp | 69.6%-3.8pp |
| Annual return | 14.78% | 60.99%-46.2pp | 196.47%-181.7pp | 31.71%-16.9pp |
| Employer contribution / active EE | $2,677 | $1,960+36.6% | $2,689-0.5% | $2,471+8.3% |
| Participant deferral / active EE | $5,127 | $3,265+57.0% | $4,245+20.8% | $3,741+37.1% |
| Admin fee / account holder | $3,589 | $6,013-40.3% | $6,643-46.0% | $5,306-32.4% |