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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 | $45,312+60.7% | $86,233-15.5% | $67,986+7.1% |
| Participation rate | 61.1% | 42.4%+18.6pp | 69.0%-8.0pp | 57.2%+3.9pp |
| Annual return | 16.50% | 24.79%-8.3pp | 61.39%-44.9pp | 31.67%-15.2pp |
| Employer contribution / active EE | $2,051 | $1,160+76.9% | $2,504-18.1% | $2,019+1.6% |
| Participant deferral / active EE | $3,609 | $2,185+65.2% | $4,559-20.8% | $3,358+7.5% |
| Admin fee / account holder | $4,257 | $3,295+29.2% | $8,342-49.0% | $3,203+32.9% |