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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 | $51,293 | $58,493-12.3% | $84,023-39.0% | $72,976-29.7% |
| Participation rate | 67.2% | 61.2%+6.0pp | 69.0%-1.8pp | 69.5%-2.3pp |
| Annual return | 19.64% | 28.93%-9.3pp | 71.32%-51.7pp | 81.02%-61.4pp |
| Employer contribution / active EE | $1,775 | $1,163+52.6% | $1,984-10.5% | $2,440-27.3% |
| Participant deferral / active EE | $3,687 | $2,394+54.0% | $3,239+13.8% | $3,608+2.2% |
| Admin fee / account holder | $5,839 | $4,569+27.8% | $6,102-4.3% | $5,124+14.0% |