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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 | $57,086 | $56,894+0.3% | $84,753-32.6% | $62,881-9.2% |
| Participation rate | 64.0% | 68.5%-4.5pp | 76.6%-12.6pp | 69.3%-5.3pp |
| Annual return | 6.67% | 6.30%+0.4pp | 22.78%-16.1pp | 20.14%-13.5pp |
| Employer contribution / active EE | $1,629 | $2,400-32.1% | $3,574-54.4% | $2,281-28.6% |
| Participant deferral / active EE | $1,776 | $2,709-34.4% | $3,712-52.1% | $3,203-44.5% |
| Admin fee / account holder | $3,486 | $3,581-2.7% | $5,333-34.6% | $4,296-18.9% |