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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 | $75,853 | $79,955-5.1% | $98,461-23.0% | $75,173+0.9% |
| Participation rate | 68.4% | 70.4%-1.9pp | 75.2%-6.7pp | 67.2%+1.2pp |
| Annual return | 12.96% | 19.75%-6.8pp | 21.17%-8.2pp | 160.72%-147.8pp |
| Employer contribution / active EE | $1,550 | $2,264-31.6% | $3,049-49.2% | $2,671-42.0% |
| Participant deferral / active EE | $2,707 | $3,752-27.9% | $4,738-42.9% | $4,126-34.4% |
| Admin fee / account holder | $6,598 | $6,841-3.6% | $8,961-26.4% | $5,651+16.8% |