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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 | $60,630 | $55,713+8.8% | $75,901-20.1% | $72,975-16.9% |
| Participation rate | 63.6% | 61.1%+2.5pp | 69.3%-5.6pp | 69.5%-5.9pp |
| Annual return | 23.85% | 27.60%-3.7pp | 30.76%-6.9pp | 81.01%-57.2pp |
| Employer contribution / active EE | $2,588 | $1,687+53.4% | $2,501+3.5% | $2,440+6.0% |
| Participant deferral / active EE | $4,666 | $2,634+77.2% | $3,603+29.5% | $3,608+29.3% |
| Admin fee / account holder | $1,738 | $3,980-56.3% | $5,420-67.9% | $5,124-66.1% |