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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 | $51,638+3.3% | $68,368-22.0% | $82,448-35.3% |
| Participation rate | 67.5% | 63.6%+3.9pp | 73.8%-6.3pp | 68.1%-0.6pp |
| Annual return | 13.96% | 37.53%-23.6pp | 292.57%-278.6pp | 41.64%-27.7pp |
| Employer contribution / active EE | $1,910 | $2,047-6.7% | $2,649-27.9% | $2,551-25.1% |
| Participant deferral / active EE | $3,283 | $2,914+12.7% | $4,123-20.4% | $4,139-20.7% |
| Admin fee / account holder | $7,374 | $4,643+58.8% | $5,150+43.2% | $7,234+1.9% |