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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 | $66,051 | $69,273-4.7% | $90,796-27.3% | $82,637-20.1% |
| Participation rate | 69.9% | 64.0%+5.8pp | 69.5%+0.4pp | 68.1%+1.8pp |
| Annual return | 16.03% | 18.37%-2.3pp | 19.29%-3.3pp | 53.51%-37.5pp |
| Employer contribution / active EE | $1,884 | $1,865+1.0% | $2,294-17.9% | $2,552-26.2% |
| Participant deferral / active EE | $3,748 | $3,047+23.0% | $3,822-1.9% | $4,126-9.2% |
| Admin fee / account holder | $5,237 | $5,511-5.0% | $7,024-25.4% | $7,339-28.6% |