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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 | $72,838 | $59,335+22.8% | $129,031-43.5% | $69,733+4.5% |
| Participation rate | 61.1% | 43.3%+17.8pp | 73.4%-12.3pp | 62.5%-1.4pp |
| Annual return | 16.50% | 19.52%-3.0pp | 34.67%-18.2pp | 15.22%+1.3pp |
| Employer contribution / active EE | $2,051 | $1,639+25.2% | $3,226-36.4% | $2,250-8.9% |
| Participant deferral / active EE | $3,609 | $2,485+45.2% | $5,217-30.8% | $3,054+18.2% |
| Admin fee / account holder | $4,257 | $3,940+8.0% | $13,208-67.8% | $3,102+37.2% |