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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 | $73,787+17.6% | $98,716-12.1% | $82,448+5.2% |
| Participation rate | 60.5% | 61.4%-0.9pp | 69.3%-8.8pp | 68.1%-7.6pp |
| Annual return | 13.37% | 18.57%-5.2pp | 31.81%-18.4pp | 41.64%-28.3pp |
| Employer contribution / active EE | $1,529 | $1,511+1.2% | $2,279-32.9% | $2,551-40.1% |
| Participant deferral / active EE | $1,948 | $3,081-36.8% | $4,048-51.9% | $4,139-52.9% |
| Admin fee / account holder | $7,240 | $6,500+11.4% | $8,703-16.8% | $7,234+0.1% |