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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 | $104,373 | $58,493+78.4% | $84,023+24.2% | $72,976+43.0% |
| Participation rate | 66.7% | 61.2%+5.4pp | 69.0%-2.4pp | 69.5%-2.8pp |
| Annual return | 25.98% | 28.93%-3.0pp | 71.32%-45.3pp | 81.02%-55.0pp |
| Employer contribution / active EE | $600 | $1,163-48.4% | $1,984-69.7% | $2,440-75.4% |
| Participant deferral / active EE | $3,532 | $2,394+47.5% | $3,239+9.0% | $3,608-2.1% |
| Admin fee / account holder | $8,526 | $4,569+86.6% | $6,102+39.7% | $5,124+66.4% |