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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 | $75,638 | $56,894+32.9% | $84,753-10.8% | $62,881+20.3% |
| Participation rate | 66.7% | 68.5%-1.9pp | 76.6%-9.9pp | 69.3%-2.6pp |
| Annual return | 7.63% | 6.30%+1.3pp | 22.78%-15.2pp | 20.14%-12.5pp |
| Employer contribution / active EE | $1,759 | $2,400-26.7% | $3,574-50.8% | $2,281-22.9% |
| Participant deferral / active EE | $3,311 | $2,709+22.2% | $3,712-10.8% | $3,203+3.4% |
| Admin fee / account holder | $3,017 | $3,581-15.7% | $5,333-43.4% | $4,296-29.8% |