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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 | $47,682 | $54,541-12.6% | $78,778-39.5% | $70,126-32.0% |
| Participation rate | 67.6% | 60.8%+6.8pp | 69.2%-1.6pp | 69.5%-2.0pp |
| Annual return | 16.28% | 21.07%-4.8pp | 35.62%-19.3pp | 73.15%-56.9pp |
| Employer contribution / active EE | $1,135 | $1,089+4.3% | $1,986-42.8% | $2,343-51.6% |
| Participant deferral / active EE | $4,040 | $2,210+82.8% | $2,958+36.6% | $3,332+21.2% |
| Admin fee / account holder | $1,342 | $3,709-63.8% | $5,134-73.9% | $4,645-71.1% |