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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 | $72,675 | $83,898-13.4% | $133,346-45.5% | $94,015-22.7% |
| Participation rate | 68.3% | 63.4%+4.9pp | 72.8%-4.6pp | 70.8%-2.5pp |
| Annual return | 18.52% | 16.00%+2.5pp | 36.85%-18.3pp | 17.84%+0.7pp |
| Employer contribution / active EE | $2,612 | $1,821+43.5% | $2,853-8.5% | $2,790-6.4% |
| Participant deferral / active EE | $5,150 | $3,245+58.7% | $4,332+18.9% | $4,249+21.2% |
| Admin fee / account holder | $4,916 | $7,809-37.0% | $14,264-65.5% | $8,951-45.1% |