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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 | $54,549 | $63,845-14.6% | $81,370-33.0% | $80,959-32.6% |
| Participation rate | 67.1% | 63.9%+3.2pp | 69.5%-2.4pp | 67.7%-0.6pp |
| Annual return | 11.16% | 16.37%-5.2pp | 24.85%-13.7pp | 35.67%-24.5pp |
| Employer contribution / active EE | $1,675 | $1,980-15.4% | $2,464-32.0% | $2,757-39.3% |
| Participant deferral / active EE | $3,274 | $3,093+5.9% | $3,885-15.7% | $4,300-23.9% |
| Admin fee / account holder | $2,180 | $5,688-61.7% | $5,749-62.1% | $6,925-68.5% |