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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 | $53,919 | $45,343+18.9% | $150,298-64.1% | $67,986-20.7% |
| Participation rate | 65.0% | 51.9%+13.1pp | 77.8%-12.8pp | 57.2%+7.8pp |
| Annual return | 18.93% | 33.28%-14.3pp | 62.79%-43.9pp | 31.67%-12.7pp |
| Employer contribution / active EE | $1,800 | $1,462+23.1% | $4,154-56.7% | $2,019-10.8% |
| Participant deferral / active EE | $4,113 | $2,055+100.2% | $5,453-24.6% | $3,358+22.5% |
| Admin fee / account holder | $2,887 | $2,250+28.3% | $14,116-79.6% | $3,203-9.9% |