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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 | $64,794 | $57,590+12.5% | $86,233-24.9% | $82,448-21.4% |
| Participation rate | 39.0% | 57.9%-18.8pp | 69.0%-30.0pp | 68.1%-29.0pp |
| Annual return | 28.41% | 22.41%+6.0pp | 61.39%-33.0pp | 41.64%-13.2pp |
| Employer contribution / active EE | $1,945 | $1,655+17.5% | $2,504-22.3% | $2,551-23.7% |
| Participant deferral / active EE | $3,259 | $3,080+5.8% | $4,559-28.5% | $4,139-21.3% |
| Admin fee / account holder | $2,980 | $4,730-37.0% | $8,342-64.3% | $7,234-58.8% |