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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 | $76,585 | $58,493+30.9% | $84,023-8.9% | $72,976+4.9% |
| Participation rate | 66.7% | 61.2%+5.4pp | 69.0%-2.4pp | 69.5%-2.8pp |
| Annual return | 20.20% | 28.93%-8.7pp | 71.32%-51.1pp | 81.02%-60.8pp |
| Employer contribution / active EE | $1,784 | $1,163+53.4% | $1,984-10.1% | $2,440-26.9% |
| Participant deferral / active EE | $4,020 | $2,394+67.9% | $3,239+24.1% | $3,608+11.4% |
| Admin fee / account holder | $570 | $4,569-87.5% | $6,102-90.7% | $5,124-88.9% |