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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 | $78,561 | $72,492+8.4% | $87,104-9.8% | $72,975+7.7% |
| Participation rate | 69.4% | 72.8%-3.5pp | 76.9%-7.5pp | 69.5%-0.1pp |
| Annual return | 21.05% | 24.46%-3.4pp | 28.19%-7.1pp | 81.01%-60.0pp |
| Employer contribution / active EE | $2,501 | $1,894+32.1% | $2,521-0.8% | $2,440+2.5% |
| Participant deferral / active EE | $6,272 | $3,270+91.8% | $4,048+54.9% | $3,608+73.8% |
| Admin fee / account holder | $16,342 | $5,055+223.3% | $7,491+118.2% | $5,124+218.9% |