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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 | $48,266 | $72,027-33.0% | $185,861-74.0% | $79,856-39.6% |
| Participation rate | 66.7% | 65.8%+0.9pp | 78.0%-11.4pp | 69.6%-3.0pp |
| Annual return | 28.19% | 23.13%+5.1pp | 35.96%-7.8pp | 31.71%-3.5pp |
| Employer contribution / active EE | $1,962 | $1,965-0.2% | $4,088-52.0% | $2,471-20.6% |
| Participant deferral / active EE | $4,096 | $3,780+8.4% | $5,634-27.3% | $3,741+9.5% |
| Admin fee / account holder | $9,652 | $4,513+113.9% | $9,503+1.6% | $5,306+81.9% |