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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 | $78,373 | $81,487-3.8% | $102,412-23.5% | $80,935-3.2% |
| Participation rate | 67.7% | 66.8%+0.9pp | 74.5%-6.8pp | 67.7%+0.1pp |
| Annual return | 13.85% | 25.60%-11.7pp | 24.94%-11.1pp | 35.66%-21.8pp |
| Employer contribution / active EE | $2,293 | $3,103-26.1% | $3,870-40.7% | $2,757-16.8% |
| Participant deferral / active EE | $5,628 | $3,871+45.4% | $5,060+11.2% | $4,299+30.9% |
| Admin fee / account holder | $6,843 | $6,717+1.9% | $8,388-18.4% | $6,924-1.2% |