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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 | $69,444-33.9% | $92,985-50.6% | $87,485-47.5% |
| Participation rate | 65.9% | 63.3%+2.6pp | 69.5%-3.6pp | 68.9%-3.1pp |
| Annual return | 13.38% | 23.85%-10.5pp | 27.99%-14.6pp | 26.06%-12.7pp |
| Employer contribution / active EE | $1,362 | $1,917-28.9% | $2,662-48.8% | $2,596-47.5% |
| Participant deferral / active EE | $4,846 | $3,364+44.1% | $4,377+10.7% | $4,274+13.4% |
| Admin fee / account holder | $15,503 | $6,137+152.6% | $9,463+63.8% | $7,775+99.4% |