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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 | $59,781 | $54,541+9.6% | $78,778-24.1% | $70,126-14.8% |
| Participation rate | 65.8% | 60.8%+5.0pp | 69.2%-3.4pp | 69.5%-3.8pp |
| Annual return | 14.64% | 21.07%-6.4pp | 35.62%-21.0pp | 73.15%-58.5pp |
| Employer contribution / active EE | $800 | $1,089-26.5% | $1,986-59.7% | $2,343-65.8% |
| Participant deferral / active EE | $2,490 | $2,210+12.7% | $2,958-15.8% | $3,332-25.3% |
| Admin fee / account holder | $3,415 | $3,709-7.9% | $5,134-33.5% | $4,645-26.5% |