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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 | $58,848+96.5% | $88,179+31.1% | $82,637+39.9% |
| Participation rate | 66.7% | 57.9%+8.8pp | 69.1%-2.5pp | 68.1%-1.4pp |
| Annual return | 14.70% | 22.76%-8.1pp | 64.97%-50.3pp | 53.51%-38.8pp |
| Employer contribution / active EE | $1,800 | $1,678+7.2% | $2,549-29.4% | $2,552-29.5% |
| Participant deferral / active EE | $2,128 | $3,124-31.9% | $4,614-53.9% | $4,126-48.4% |
| Admin fee / account holder | $2,887 | $4,795-39.8% | $7,673-62.4% | $7,339-60.7% |