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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 | $88,581 | $72,492+22.2% | $87,104+1.7% | $72,975+21.4% |
| Participation rate | 61.9% | 72.8%-10.9pp | 76.9%-15.0pp | 69.5%-7.6pp |
| Annual return | 32.47% | 24.46%+8.0pp | 28.19%+4.3pp | 81.01%-48.5pp |
| Employer contribution / active EE | $1,280 | $1,894-32.4% | $2,521-49.2% | $2,440-47.6% |
| Participant deferral / active EE | $3,922 | $3,270+20.0% | $4,048-3.1% | $3,608+8.7% |
| Admin fee / account holder | $3,077 | $5,055-39.1% | $7,491-58.9% | $5,124-39.9% |