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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 | $24,405 | $58,523-58.3% | $99,470-75.5% | $72,983-66.6% |
| Participation rate | 68.6% | 64.6%+3.9pp | 73.8%-5.3pp | 69.5%-0.9pp |
| Annual return | 25.71% | 28.51%-2.8pp | 30.72%-5.0pp | 81.01%-55.3pp |
| Employer contribution / active EE | $1,816 | $1,512+20.1% | $2,540-28.5% | $2,440-25.6% |
| Participant deferral / active EE | $2,776 | $2,606+6.5% | $3,619-23.3% | $3,608-23.1% |
| Admin fee / account holder | $1,218 | $4,102-70.3% | $6,252-80.5% | $5,124-76.2% |