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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 | $56,058 | $72,492-22.7% | $87,104-35.6% | $72,975-23.2% |
| Participation rate | 69.2% | 72.8%-3.6pp | 76.9%-7.6pp | 69.5%-0.3pp |
| Annual return | 22.47% | 24.46%-2.0pp | 28.19%-5.7pp | 81.01%-58.5pp |
| Employer contribution / active EE | $2,325 | $1,894+22.8% | $2,521-7.8% | $2,440-4.7% |
| Participant deferral / active EE | $4,512 | $3,270+38.0% | $4,048+11.5% | $3,608+25.1% |
| Admin fee / account holder | $13,926 | $5,055+175.5% | $7,491+85.9% | $5,124+171.8% |