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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 | $65,376 | $94,031-30.5% | $115,768-43.5% | $82,448-20.7% |
| Participation rate | 63.5% | 70.4%-7.0pp | 74.4%-10.9pp | 68.1%-4.6pp |
| Annual return | 25.41% | 20.61%+4.8pp | 100.46%-75.1pp | 41.64%-16.2pp |
| Employer contribution / active EE | $2,896 | $2,323+24.6% | $2,940-1.5% | $2,551+13.5% |
| Participant deferral / active EE | $5,645 | $3,972+42.1% | $4,917+14.8% | $4,139+36.4% |
| Admin fee / account holder | $11,506 | $10,249+12.3% | $12,439-7.5% | $7,234+59.0% |