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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 | $50,794 | $81,487-37.7% | $102,412-50.4% | $80,935-37.2% |
| Participation rate | 67.5% | 66.8%+0.7pp | 74.5%-7.0pp | 67.7%-0.2pp |
| Annual return | 15.06% | 25.60%-10.5pp | 24.94%-9.9pp | 35.66%-20.6pp |
| Employer contribution / active EE | $2,831 | $3,103-8.8% | $3,870-26.9% | $2,757+2.7% |
| Participant deferral / active EE | $4,912 | $3,871+26.9% | $5,060-2.9% | $4,299+14.2% |
| Admin fee / account holder | $7,332 | $6,717+9.2% | $8,388-12.6% | $6,924+5.9% |