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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 | $85,072 | $64,920+31.0% | $103,693-18.0% | $86,983-2.2% |
| Participation rate | 69.7% | 63.6%+6.1pp | 72.6%-2.9pp | 69.5%+0.2pp |
| Annual return | 14.25% | 30.29%-16.0pp | 47.61%-33.4pp | 25.83%-11.6pp |
| Employer contribution / active EE | $1,382 | $2,141-35.4% | $2,920-52.7% | $2,584-46.5% |
| Participant deferral / active EE | $3,151 | $3,241-2.8% | $4,579-31.2% | $4,194-24.9% |
| Admin fee / account holder | $11,145 | $6,191+80.0% | $7,858+41.8% | $7,856+41.9% |