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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 | $55,027 | $57,590-4.5% | $86,233-36.2% | $82,448-33.3% |
| Participation rate | 63.6% | 57.9%+5.8pp | 69.0%-5.4pp | 68.1%-4.4pp |
| Annual return | 15.89% | 22.41%-6.5pp | 61.39%-45.5pp | 41.64%-25.7pp |
| Employer contribution / active EE | $1,827 | $1,655+10.4% | $2,504-27.0% | $2,551-28.4% |
| Participant deferral / active EE | $5,367 | $3,080+74.3% | $4,559+17.7% | $4,139+29.7% |
| Admin fee / account holder | $475 | $4,730-90.0% | $8,342-94.3% | $7,234-93.4% |