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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 | $84,745 | $83,369+1.7% | $105,223-19.5% | $67,986+24.7% |
| Participation rate | 59.3% | 56.3%+3.0pp | 75.0%-15.7pp | 57.2%+2.1pp |
| Annual return | 19.87% | 24.64%-4.8pp | 180.65%-160.8pp | 31.67%-11.8pp |
| Employer contribution / active EE | $2,790 | $2,541+9.8% | $3,689-24.3% | $2,019+38.2% |
| Participant deferral / active EE | $3,777 | $3,295+14.6% | $5,072-25.5% | $3,358+12.5% |
| Admin fee / account holder | $5,530 | $4,073+35.8% | $8,859-37.6% | $3,203+72.6% |