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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 | $53,827 | $50,947+5.7% | $74,551-27.8% | $64,173-16.1% |
| Participation rate | 68.8% | 61.1%+7.7pp | 69.1%-0.4pp | 69.6%-0.8pp |
| Annual return | -5.36% | -1.85%-3.5pp | 32.53%-37.9pp | 7.63%-13.0pp |
| Employer contribution / active EE | $915 | $1,115-18.0% | $1,961-53.4% | $2,381-61.6% |
| Participant deferral / active EE | $2,037 | $2,302-11.5% | $3,108-34.5% | $3,470-41.3% |
| Admin fee / account holder | $3,801 | $4,221-9.9% | $5,059-24.9% | $4,887-22.2% |