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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 | $74,535+16.4% | $100,712-13.8% | $82,637+5.0% |
| Participation rate | 60.5% | 61.2%-0.7pp | 69.3%-8.8pp | 68.1%-7.6pp |
| Annual return | 13.37% | 18.92%-5.6pp | 33.27%-19.9pp | 53.51%-40.1pp |
| Employer contribution / active EE | $1,529 | $1,503+1.8% | $2,313-33.9% | $2,552-40.1% |
| Participant deferral / active EE | $1,948 | $3,074-36.6% | $4,085-52.3% | $4,126-52.8% |
| Admin fee / account holder | $7,240 | $6,576+10.1% | $9,256-21.8% | $7,339-1.3% |