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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 | $58,005 | $55,932+3.7% | $76,735-24.4% | $67,986-14.7% |
| Participation rate | 68.4% | 50.8%+17.6pp | 69.5%-1.1pp | 57.2%+11.2pp |
| Annual return | 14.86% | 23.10%-8.2pp | 29.77%-14.9pp | 31.67%-16.8pp |
| Employer contribution / active EE | $1,586 | $1,487+6.7% | $2,454-35.4% | $2,019-21.4% |
| Participant deferral / active EE | $3,720 | $2,558+45.4% | $4,088-9.0% | $3,358+10.8% |
| Admin fee / account holder | $3,283 | $4,907-33.1% | $7,189-54.3% | $3,203+2.5% |