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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 | $76,287 | $58,493+30.4% | $84,021-9.2% | $72,975+4.5% |
| Participation rate | 59.2% | 61.2%-2.0pp | 69.0%-9.8pp | 69.5%-10.3pp |
| Annual return | 18.03% | 28.93%-10.9pp | 71.32%-53.3pp | 81.01%-63.0pp |
| Employer contribution / active EE | $2,348 | $1,163+101.9% | $1,984+18.4% | $2,440-3.8% |
| Participant deferral / active EE | $3,029 | $2,394+26.5% | $3,239-6.5% | $3,608-16.1% |
| Admin fee / account holder | $517 | $4,569-88.7% | $6,102-91.5% | $5,124-89.9% |