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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 | $74,823 | $72,486+3.2% | $87,103-14.1% | $72,976+2.5% |
| Participation rate | 62.2% | 72.8%-10.6pp | 76.9%-14.7pp | 69.5%-7.3pp |
| Annual return | 22.84% | 24.46%-1.6pp | 28.19%-5.4pp | 81.02%-58.2pp |
| Employer contribution / active EE | $1,257 | $1,894-33.6% | $2,521-50.1% | $2,440-48.5% |
| Participant deferral / active EE | $2,217 | $3,270-32.2% | $4,049-45.2% | $3,608-38.5% |
| Admin fee / account holder | $3,802 | $5,055-24.8% | $7,491-49.2% | $5,124-25.8% |