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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 | $54,947 | $73,787-25.5% | $98,716-44.3% | $82,448-33.4% |
| Participation rate | 69.6% | 61.4%+8.2pp | 69.3%+0.3pp | 68.1%+1.5pp |
| Annual return | 16.93% | 18.57%-1.6pp | 31.81%-14.9pp | 41.64%-24.7pp |
| Employer contribution / active EE | $1,795 | $1,511+18.8% | $2,279-21.2% | $2,551-29.6% |
| Participant deferral / active EE | $4,139 | $3,081+34.3% | $4,048+2.3% | $4,1390% |
| Admin fee / account holder | $4,622 | $6,500-28.9% | $8,703-46.9% | $7,234-36.1% |