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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 | $56,507 | $57,590-1.9% | $86,233-34.5% | $82,448-31.5% |
| Participation rate | 57.7% | 57.9%-0.2pp | 69.0%-11.3pp | 68.1%-10.4pp |
| Annual return | 14.53% | 22.41%-7.9pp | 61.39%-46.9pp | 41.64%-27.1pp |
| Employer contribution / active EE | $2,360 | $1,655+42.6% | $2,504-5.8% | $2,551-7.5% |
| Participant deferral / active EE | $6,137 | $3,080+99.2% | $4,559+34.6% | $4,139+48.3% |
| Admin fee / account holder | $3,253 | $4,730-31.2% | $8,342-61.0% | $7,234-55.0% |