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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 | $64,541 | $58,851+9.7% | $115,170-44.0% | $72,975-11.6% |
| Participation rate | 66.1% | 65.5%+0.6pp | 75.9%-9.8pp | 69.5%-3.4pp |
| Annual return | 16.62% | 23.16%-6.5pp | 35.60%-19.0pp | 81.01%-64.4pp |
| Employer contribution / active EE | $1,527 | $1,798-15.1% | $3,179-52.0% | $2,440-37.4% |
| Participant deferral / active EE | $2,869 | $2,643+8.6% | $4,169-31.2% | $3,608-20.5% |
| Admin fee / account holder | $6,012 | $6,370-5.6% | $7,089-15.2% | $5,124+17.3% |