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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 | $61,411 | $65,122-5.7% | $135,792-54.8% | $64,097-4.2% |
| Participation rate | 63.5% | 47.1%+16.4pp | 72.6%-9.1pp | 55.2%+8.3pp |
| Annual return | 21.36% | 14.53%+6.8pp | 25.96%-4.6pp | 34.64%-13.3pp |
| Employer contribution / active EE | $1,397 | $1,280+9.1% | $3,496-60.0% | $1,891-26.2% |
| Participant deferral / active EE | $2,194 | $2,219-1.1% | $4,759-53.9% | $3,080-28.8% |
| Admin fee / account holder | $1,447 | $3,120-53.6% | $12,266-88.2% | $3,454-58.1% |