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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 | $80,273 | $47,848+67.8% | $81,473-1.5% | $70,126+14.5% |
| Participation rate | 60.0% | 58.3%+1.7pp | 68.0%-8.0pp | 69.5%-9.5pp |
| Annual return | 18.30% | 27.25%-8.9pp | 38.78%-20.5pp | 73.15%-54.8pp |
| Employer contribution / active EE | $1,982 | $1,527+29.8% | $2,568-22.8% | $2,343-15.4% |
| Participant deferral / active EE | $3,554 | $2,453+44.9% | $3,537+0.5% | $3,332+6.7% |
| Admin fee / account holder | $541 | $3,145-82.8% | $4,561-88.1% | $4,645-88.4% |