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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 | $75,356 | $80,705-6.6% | $115,768-34.9% | $67,986+10.8% |
| Participation rate | 54.9% | 63.0%-8.1pp | 74.4%-19.5pp | 57.2%-2.3pp |
| Annual return | 18.76% | 18.49%+0.3pp | 100.46%-81.7pp | 31.67%-12.9pp |
| Employer contribution / active EE | $2,061 | $2,046+0.7% | $2,940-29.9% | $2,019+2.1% |
| Participant deferral / active EE | $3,903 | $3,559+9.7% | $4,917-20.6% | $3,358+16.2% |
| Admin fee / account holder | $4,497 | $4,135+8.8% | $12,439-63.8% | $3,203+40.4% |