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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 | $51,459 | $74,535-31.0% | $100,712-48.9% | $82,637-37.7% |
| Participation rate | 65.3% | 61.2%+4.1pp | 69.3%-4.0pp | 68.1%-2.7pp |
| Annual return | 24.99% | 18.92%+6.1pp | 33.27%-8.3pp | 53.51%-28.5pp |
| Employer contribution / active EE | $2,231 | $1,503+48.5% | $2,313-3.5% | $2,552-12.6% |
| Participant deferral / active EE | $3,900 | $3,074+26.9% | $4,085-4.5% | $4,126-5.5% |
| Admin fee / account holder | $8,903 | $6,576+35.4% | $9,256-3.8% | $7,339+21.3% |