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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 | $52,428 | $46,877+11.8% | $122,354-57.2% | $70,126-25.2% |
| Participation rate | 60.0% | 58.2%+1.8pp | 71.6%-11.6pp | 69.5%-9.5pp |
| Annual return | 13.33% | 24.22%-10.9pp | 30.28%-16.9pp | 73.15%-59.8pp |
| Employer contribution / active EE | $868 | $1,288-32.6% | $4,051-78.6% | $2,343-62.9% |
| Participant deferral / active EE | $4,342 | $2,167+100.3% | $3,287+32.1% | $3,332+30.3% |
| Admin fee / account holder | $6,650 | $3,324+100.1% | $5,479+21.4% | $4,645+43.1% |