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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 | $41,899 | $43,075-2.7% | $74,577-43.8% | $62,881-33.4% |
| Participation rate | 60.6% | 58.1%+2.6pp | 68.1%-7.5pp | 69.3%-8.7pp |
| Annual return | 8.18% | 17.50%-9.3pp | 20.47%-12.3pp | 20.14%-12.0pp |
| Employer contribution / active EE | $2,300 | $1,498+53.6% | $2,525-8.9% | $2,281+0.8% |
| Participant deferral / active EE | $2,668 | $2,389+11.7% | $3,458-22.9% | $3,203-16.7% |
| Admin fee / account holder | $1,978 | $2,840-30.3% | $4,138-52.2% | $4,296-54.0% |