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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 | $86,044 | $52,580+63.6% | $71,671+20.1% | $70,126+22.7% |
| Participation rate | 63.5% | 60.9%+2.7pp | 68.7%-5.2pp | 69.5%-6.0pp |
| Annual return | 23.81% | 20.25%+3.6pp | 20.65%+3.2pp | 73.15%-49.3pp |
| Employer contribution / active EE | $1,912 | $1,616+18.4% | $2,460-22.3% | $2,343-18.4% |
| Participant deferral / active EE | $4,059 | $2,386+70.1% | $3,438+18.1% | $3,332+21.8% |
| Admin fee / account holder | $714 | $3,653-80.5% | $5,558-87.2% | $4,645-84.6% |