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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 | $58,305 | $73,955-21.2% | $96,520-39.6% | $75,181-22.4% |
| Participation rate | 65.4% | 66.4%-1.0pp | 74.3%-9.0pp | 67.2%-1.8pp |
| Annual return | 15.38% | 26.72%-11.3pp | 35.72%-20.3pp | 160.69%-145.3pp |
| Employer contribution / active EE | $3,505 | $2,930+19.6% | $3,739-6.2% | $2,671+31.3% |
| Participant deferral / active EE | $6,240 | $3,659+70.5% | $4,879+27.9% | $4,126+51.2% |
| Admin fee / account holder | $6,545 | $5,217+25.4% | $6,733-2.8% | $5,650+15.8% |