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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 | $53,319 | $64,920-17.9% | $103,693-48.6% | $86,983-38.7% |
| Participation rate | 67.5% | 63.6%+3.9pp | 72.6%-5.1pp | 69.5%-2.0pp |
| Annual return | 13.96% | 30.29%-16.3pp | 47.61%-33.7pp | 25.83%-11.9pp |
| Employer contribution / active EE | $1,910 | $2,141-10.8% | $2,920-34.6% | $2,584-26.1% |
| Participant deferral / active EE | $3,283 | $3,241+1.3% | $4,579-28.3% | $4,194-21.7% |
| Admin fee / account holder | $7,374 | $6,191+19.1% | $7,858-6.2% | $7,856-6.1% |