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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 | $50,318 | $72,471-30.6% | $94,215-46.6% | $86,983-42.2% |
| Participation rate | 66.7% | 63.9%+2.8pp | 70.0%-3.3pp | 69.5%-2.9pp |
| Annual return | 16.76% | 26.44%-9.7pp | 28.22%-11.5pp | 25.83%-9.1pp |
| Employer contribution / active EE | $2,347 | $1,936+21.2% | $2,675-12.3% | $2,584-9.2% |
| Participant deferral / active EE | $4,559 | $3,397+34.2% | $4,276+6.6% | $4,194+8.7% |
| Admin fee / account holder | $1,910 | $6,468-70.5% | $10,216-81.3% | $7,856-75.7% |