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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 | $53,170 | $86,940-38.8% | $102,434-48.1% | $80,935-34.3% |
| Participation rate | 64.3% | 72.4%-8.1pp | 76.5%-12.2pp | 67.7%-3.4pp |
| Annual return | 28.09% | 18.89%+9.2pp | 29.46%-1.4pp | 35.66%-7.6pp |
| Employer contribution / active EE | $2,795 | $2,370+18.0% | $3,023-7.5% | $2,757+1.4% |
| Participant deferral / active EE | $4,920 | $4,121+19.4% | $5,055-2.7% | $4,299+14.4% |
| Admin fee / account holder | $8,509 | $8,047+5.7% | $9,462-10.1% | $6,924+22.9% |