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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 | $45,927 | $58,627-21.7% | $76,735-40.1% | $82,448-44.3% |
| Participation rate | 65.9% | 63.2%+2.6pp | 69.5%-3.6pp | 68.1%-2.2pp |
| Annual return | 13.38% | 39.10%-25.7pp | 29.77%-16.4pp | 41.64%-28.3pp |
| Employer contribution / active EE | $1,362 | $1,729-21.2% | $2,454-44.5% | $2,551-46.6% |
| Participant deferral / active EE | $4,846 | $3,134+54.7% | $4,088+18.5% | $4,139+17.1% |
| Admin fee / account holder | $15,503 | $5,323+191.3% | $7,189+115.6% | $7,234+114.3% |