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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 | $72,676 | $80,992-10.3% | $96,534-24.7% | $75,173-3.3% |
| Participation rate | 69.6% | 71.8%-2.1pp | 76.0%-6.3pp | 67.2%+2.4pp |
| Annual return | 15.91% | 27.05%-11.1pp | 25.88%-10.0pp | 160.72%-144.8pp |
| Employer contribution / active EE | $2,479 | $2,283+8.6% | $2,965-16.4% | $2,671-7.2% |
| Participant deferral / active EE | $4,346 | $3,929+10.6% | $4,851-10.4% | $4,126+5.3% |
| Admin fee / account holder | $6,363 | $6,717-5.3% | $8,253-22.9% | $5,651+12.6% |