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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 | $52,937 | $42,548+24.4% | $74,551-29.0% | $56,289-6.0% |
| Participation rate | 64.7% | 60.5%+4.2pp | 69.1%-4.4pp | 69.9%-5.1pp |
| Annual return | 13.78% | 12.40%+1.4pp | 32.53%-18.8pp | -9.96%+23.7pp |
| Employer contribution / active EE | $1,477 | $855+72.7% | $1,961-24.7% | $2,111-30.1% |
| Participant deferral / active EE | $3,229 | $2,277+41.8% | $3,108+3.9% | $3,350-3.6% |
| Admin fee / account holder | $3,332 | $467+613.3% | $5,059-34.1% | $521+539.6% |