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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 | $88,724 | $97,648-9.1% | $121,663-27.1% | $87,485+1.4% |
| Participation rate | 60.0% | 70.5%-10.5pp | 74.5%-14.5pp | 68.9%-8.9pp |
| Annual return | 15.53% | 18.03%-2.5pp | 147.54%-132.0pp | 26.06%-10.5pp |
| Employer contribution / active EE | $2,574 | $2,300+11.9% | $3,020-14.8% | $2,596-0.9% |
| Participant deferral / active EE | $5,076 | $3,923+29.4% | $4,887+3.9% | $4,274+18.8% |
| Admin fee / account holder | $15,223 | $11,100+37.2% | $14,289+6.5% | $7,775+95.8% |