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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 | $79,151 | $46,877+68.8% | $122,354-35.3% | $70,126+12.9% |
| Participation rate | 68.0% | 58.2%+9.8pp | 71.6%-3.6pp | 69.5%-1.5pp |
| Annual return | 23.53% | 24.22%-0.7pp | 30.28%-6.7pp | 73.15%-49.6pp |
| Employer contribution / active EE | $1,440 | $1,288+11.8% | $4,051-64.4% | $2,343-38.5% |
| Participant deferral / active EE | $3,927 | $2,167+81.2% | $3,287+19.5% | $3,332+17.9% |
| Admin fee / account holder | $5,055 | $3,324+52.1% | $5,479-7.7% | $4,645+8.8% |