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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 | $52,556 | $58,523-10.2% | $99,479-47.2% | $72,976-28.0% |
| Participation rate | 65.6% | 64.6%+0.9pp | 73.8%-8.3pp | 69.5%-3.9pp |
| Annual return | 22.03% | 28.51%-6.5pp | 30.72%-8.7pp | 81.02%-59.0pp |
| Employer contribution / active EE | $838 | $1,512-44.6% | $2,540-67.0% | $2,440-65.7% |
| Participant deferral / active EE | $4,746 | $2,606+82.1% | $3,619+31.1% | $3,608+31.6% |
| Admin fee / account holder | $6,348 | $4,102+54.8% | $6,253+1.5% | $5,124+23.9% |