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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 | $115,625 | $57,590+100.8% | $86,233+34.1% | $82,448+40.2% |
| Participation rate | 66.7% | 57.9%+8.8pp | 69.0%-2.4pp | 68.1%-1.4pp |
| Annual return | 14.70% | 22.41%-7.7pp | 61.39%-46.7pp | 41.64%-26.9pp |
| Employer contribution / active EE | $1,800 | $1,655+8.7% | $2,504-28.1% | $2,551-29.4% |
| Participant deferral / active EE | $2,128 | $3,080-30.9% | $4,559-53.3% | $4,139-48.6% |
| Admin fee / account holder | $2,887 | $4,730-39.0% | $8,342-65.4% | $7,234-60.1% |