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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 | $72,605 | $72,492+0.2% | $87,104-16.6% | $72,975-0.5% |
| Participation rate | 56.7% | 72.8%-16.1pp | 76.9%-20.2pp | 69.5%-12.8pp |
| Annual return | 63.82% | 24.46%+39.4pp | 28.19%+35.6pp | 81.01%-17.2pp |
| Employer contribution / active EE | $1,512 | $1,894-20.2% | $2,521-40.0% | $2,440-38.0% |
| Participant deferral / active EE | $3,954 | $3,270+20.9% | $4,048-2.3% | $3,608+9.6% |
| Admin fee / account holder | $1,778 | $5,055-64.8% | $7,491-76.3% | $5,124-65.3% |