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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 | $60,845 | $58,848+3.4% | $88,179-31.0% | $82,637-26.4% |
| Participation rate | 58.5% | 57.9%+0.6pp | 69.1%-10.6pp | 68.1%-9.5pp |
| Annual return | 16.86% | 22.76%-5.9pp | 64.97%-48.1pp | 53.51%-36.6pp |
| Employer contribution / active EE | $2,853 | $1,678+70.0% | $2,549+11.9% | $2,552+11.8% |
| Participant deferral / active EE | $5,493 | $3,124+75.8% | $4,614+19.1% | $4,126+33.1% |
| Admin fee / account holder | $2,619 | $4,795-45.4% | $7,673-65.9% | $7,339-64.3% |