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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 | $87,696 | $114,712-23.6% | $173,730-49.5% | $87,485+0.2% |
| Participation rate | 69.4% | 73.0%-3.5pp | 79.6%-10.1pp | 68.9%+0.5pp |
| Annual return | 16.82% | 20.18%-3.4pp | 19.96%-3.1pp | 26.06%-9.2pp |
| Employer contribution / active EE | $2,273 | $2,904-21.7% | $4,577-50.3% | $2,596-12.4% |
| Participant deferral / active EE | $4,650 | $4,642+0.2% | $6,326-26.5% | $4,274+8.8% |
| Admin fee / account holder | $630 | $10,210-93.8% | $17,523-96.4% | $7,775-91.9% |