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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 | $43,395 | $58,627-26.0% | $76,735-43.4% | $82,448-47.4% |
| Participation rate | 65.8% | 63.2%+2.6pp | 69.5%-3.7pp | 68.1%-2.3pp |
| Annual return | 15.44% | 39.10%-23.7pp | 29.77%-14.3pp | 41.64%-26.2pp |
| Employer contribution / active EE | $2,101 | $1,729+21.5% | $2,454-14.4% | $2,551-17.6% |
| Participant deferral / active EE | $5,371 | $3,134+71.4% | $4,088+31.4% | $4,139+29.8% |
| Admin fee / account holder | $2,762 | $5,323-48.1% | $7,189-61.6% | $7,234-61.8% |