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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 | $73,460 | $52,580+39.7% | $71,671+2.5% | $70,124+4.8% |
| Participation rate | 54.5% | 60.9%-6.3pp | 68.7%-14.2pp | 69.5%-15.0pp |
| Annual return | 17.03% | 20.25%-3.2pp | 20.65%-3.6pp | 73.14%-56.1pp |
| Employer contribution / active EE | $1,952 | $1,616+20.8% | $2,460-20.7% | $2,342-16.7% |
| Participant deferral / active EE | $3,265 | $2,386+36.8% | $3,438-5.0% | $3,332-2.0% |
| Admin fee / account holder | $3,559 | $3,653-2.6% | $5,558-36.0% | $4,645-23.4% |