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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 | $52,500 | $58,493-10.2% | $84,023-37.5% | $72,976-28.1% |
| Participation rate | 68.3% | 61.2%+7.1pp | 69.0%-0.7pp | 69.5%-1.2pp |
| Annual return | 26.24% | 28.93%-2.7pp | 71.32%-45.1pp | 81.02%-54.8pp |
| Employer contribution / active EE | $1,515 | $1,163+30.2% | $1,984-23.7% | $2,440-37.9% |
| Participant deferral / active EE | $2,467 | $2,394+3.0% | $3,239-23.8% | $3,608-31.6% |
| Admin fee / account holder | $708 | $4,569-84.5% | $6,102-88.4% | $5,124-86.2% |