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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 | $52,526 | $51,207+2.6% | $70,565-25.6% | $75,177-30.1% |
| Participation rate | 66.1% | 61.0%+5.1pp | 68.4%-2.3pp | 67.2%-1.1pp |
| Annual return | 23.78% | 30.05%-6.3pp | 32.79%-9.0pp | 160.75%-137.0pp |
| Employer contribution / active EE | $3,128 | $1,826+71.2% | $2,976+5.1% | $2,671+17.1% |
| Participant deferral / active EE | $7,236 | $2,850+153.9% | $4,568+58.4% | $4,126+75.4% |
| Admin fee / account holder | $586 | $4,097-85.7% | $6,430-90.9% | $5,651-89.6% |