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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 | $48,553 | $76,696-36.7% | $96,538-49.7% | $71,529-32.1% |
| Participation rate | 68.2% | 66.6%+1.7pp | 74.3%-6.1pp | 67.9%+0.3pp |
| Annual return | 16.07% | 48.32%-32.3pp | 35.74%-19.7pp | 28.97%-12.9pp |
| Employer contribution / active EE | $6,901 | $3,032+127.7% | $3,740+84.5% | $2,590+166.5% |
| Participant deferral / active EE | $2,693 | $3,770-28.6% | $4,880-44.8% | $4,291-37.3% |
| Admin fee / account holder | $7,169 | $2,030+253.2% | $6,737+6.4% | $1,588+351.3% |