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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 | $58,536 | $57,140+2.4% | $85,240-31.3% | $80,959-27.7% |
| Participation rate | 57.5% | 56.4%+1.1pp | 67.5%-10.0pp | 67.7%-10.2pp |
| Annual return | 18.99% | 21.71%-2.7pp | 66.75%-47.8pp | 35.67%-16.7pp |
| Employer contribution / active EE | $2,153 | $1,802+19.5% | $2,735-21.3% | $2,757-21.9% |
| Participant deferral / active EE | $5,107 | $3,115+63.9% | $4,527+12.8% | $4,300+18.8% |
| Admin fee / account holder | $5,743 | $4,992+15.0% | $6,165-6.8% | $6,925-17.1% |