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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 | $62,806 | $57,590+9.1% | $86,233-27.2% | $82,448-23.8% |
| Participation rate | 58.8% | 57.9%+1.0pp | 69.0%-10.2pp | 68.1%-9.2pp |
| Annual return | 18.64% | 22.41%-3.8pp | 61.39%-42.7pp | 41.64%-23.0pp |
| Employer contribution / active EE | $845 | $1,655-49.0% | $2,504-66.3% | $2,551-66.9% |
| Participant deferral / active EE | $1,969 | $3,080-36.1% | $4,559-56.8% | $4,139-52.4% |
| Admin fee / account holder | $8,840 | $4,730+86.9% | $8,342+6.0% | $7,234+22.2% |