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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 | $50,925 | $57,590-11.6% | $86,233-40.9% | $82,448-38.2% |
| Participation rate | 65.7% | 57.9%+7.8pp | 69.0%-3.3pp | 68.1%-2.4pp |
| Annual return | 13.91% | 22.41%-8.5pp | 61.39%-47.5pp | 41.64%-27.7pp |
| Employer contribution / active EE | $3,213 | $1,655+94.1% | $2,504+28.3% | $2,551+26.0% |
| Participant deferral / active EE | $4,428 | $3,080+43.8% | $4,559-2.9% | $4,139+7.0% |
| Admin fee / account holder | $13,794 | $4,730+191.6% | $8,342+65.4% | $7,234+90.7% |