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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 | $26,195 | $52,580-50.2% | $71,671-63.5% | $70,126-62.6% |
| Participation rate | 66.1% | 60.9%+5.3pp | 68.7%-2.6pp | 69.5%-3.4pp |
| Annual return | 15.52% | 20.25%-4.7pp | 20.65%-5.1pp | 73.15%-57.6pp |
| Employer contribution / active EE | $1,734 | $1,616+7.3% | $2,460-29.5% | $2,343-26.0% |
| Participant deferral / active EE | $2,105 | $2,386-11.8% | $3,438-38.8% | $3,332-36.8% |
| Admin fee / account holder | $5,806 | $3,653+59.0% | $5,558+4.5% | $4,645+25.0% |