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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 | $86,768 | $83,898+3.4% | $133,346-34.9% | $94,015-7.7% |
| Participation rate | 60.5% | 63.4%-2.9pp | 72.8%-12.4pp | 70.8%-10.3pp |
| Annual return | 13.37% | 16.00%-2.6pp | 36.85%-23.5pp | 17.84%-4.5pp |
| Employer contribution / active EE | $1,529 | $1,821-16.0% | $2,853-46.4% | $2,790-45.2% |
| Participant deferral / active EE | $1,948 | $3,245-40.0% | $4,332-55.0% | $4,249-54.2% |
| Admin fee / account holder | $7,240 | $7,809-7.3% | $14,264-49.2% | $8,951-19.1% |