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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 | $74,688 | $73,955+1.0% | $96,520-22.6% | $75,181-0.7% |
| Participation rate | 55.9% | 66.4%-10.5pp | 74.3%-18.5pp | 67.2%-11.3pp |
| Annual return | 18.25% | 26.72%-8.5pp | 35.72%-17.5pp | 160.69%-142.4pp |
| Employer contribution / active EE | $2,390 | $2,930-18.4% | $3,739-36.1% | $2,671-10.5% |
| Participant deferral / active EE | $5,809 | $3,659+58.7% | $4,879+19.1% | $4,126+40.8% |
| Admin fee / account holder | $5,512 | $5,217+5.7% | $6,733-18.1% | $5,650-2.4% |