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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 | $78,407 | $76,834+2.0% | $108,359-27.6% | $87,485-10.4% |
| Participation rate | 66.1% | 61.7%+4.4pp | 70.1%-4.0pp | 68.9%-2.8pp |
| Annual return | 13.17% | 19.09%-5.9pp | 36.89%-23.7pp | 26.06%-12.9pp |
| Employer contribution / active EE | $1,617 | $1,556+3.9% | $2,399-32.6% | $2,596-37.7% |
| Participant deferral / active EE | $4,115 | $3,100+32.8% | $4,137-0.5% | $4,274-3.7% |
| Admin fee / account holder | $15,157 | $6,537+131.9% | $9,741+55.6% | $7,775+95.0% |