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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 | $94,436-6.0% | $115,599-23.2% | $82,637+7.4% |
| Participation rate | 60.0% | 70.4%-10.4pp | 74.3%-14.3pp | 68.1%-8.1pp |
| Annual return | 15.53% | 18.37%-2.8pp | 111.10%-95.6pp | 53.51%-38.0pp |
| Employer contribution / active EE | $2,574 | $2,324+10.8% | $2,955-12.9% | $2,552+0.9% |
| Participant deferral / active EE | $5,076 | $3,955+28.4% | $4,889+3.8% | $4,126+23.0% |
| Admin fee / account holder | $15,223 | $10,328+47.4% | $12,841+18.6% | $7,339+107.4% |