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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 | $88,984 | $80,992+9.9% | $96,534-7.8% | $75,173+18.4% |
| Participation rate | 61.5% | 71.8%-10.2pp | 76.0%-14.4pp | 67.2%-5.7pp |
| Annual return | 15.95% | 27.05%-11.1pp | 25.88%-9.9pp | 160.72%-144.8pp |
| Employer contribution / active EE | $2,367 | $2,283+3.7% | $2,965-20.2% | $2,671-11.4% |
| Participant deferral / active EE | $4,671 | $3,929+18.9% | $4,851-3.7% | $4,126+13.2% |
| Admin fee / account holder | $1,271 | $6,717-81.1% | $8,253-84.6% | $5,651-77.5% |