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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 | $43,147 | $43,075+0.2% | $74,577-42.1% | $62,881-31.4% |
| Participation rate | 68.4% | 58.1%+10.4pp | 68.1%+0.3pp | 69.3%-0.9pp |
| Annual return | 13.20% | 17.50%-4.3pp | 20.47%-7.3pp | 20.14%-6.9pp |
| Employer contribution / active EE | $2,268 | $1,498+51.4% | $2,525-10.2% | $2,281-0.6% |
| Participant deferral / active EE | $4,495 | $2,389+88.1% | $3,458+30.0% | $3,203+40.4% |
| Admin fee / account holder | $2,105 | $2,840-25.9% | $4,138-49.1% | $4,296-51.0% |