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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 | $53,512 | $64,462-17.0% | $81,482-34.3% | $80,911-33.9% |
| Participation rate | 68.2% | 63.9%+4.3pp | 69.5%-1.3pp | 67.6%+0.5pp |
| Annual return | 13.53% | 16.35%-2.8pp | 24.79%-11.3pp | 35.63%-22.1pp |
| Employer contribution / active EE | $2,333 | $1,979+17.9% | $2,463-5.3% | $2,756-15.3% |
| Participant deferral / active EE | $3,980 | $3,094+28.6% | $3,885+2.4% | $4,297-7.4% |
| Admin fee / account holder | $5,397 | $5,678-4.9% | $5,761-6.3% | $6,935-22.2% |