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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 | $72,675 | $76,834-5.4% | $108,359-32.9% | $87,485-16.9% |
| Participation rate | 68.3% | 61.7%+6.6pp | 70.1%-1.8pp | 68.9%-0.6pp |
| Annual return | 18.52% | 19.09%-0.6pp | 36.89%-18.4pp | 26.06%-7.5pp |
| Employer contribution / active EE | $2,612 | $1,556+67.8% | $2,399+8.8% | $2,596+0.6% |
| Participant deferral / active EE | $5,150 | $3,100+66.1% | $4,137+24.5% | $4,274+20.5% |
| Admin fee / account holder | $4,916 | $6,537-24.8% | $9,741-49.5% | $7,775-36.8% |