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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 | $79,972 | $72,486+10.3% | $87,103-8.2% | $72,976+9.6% |
| Participation rate | 61.3% | 72.8%-11.5pp | 76.9%-15.6pp | 69.5%-8.2pp |
| Annual return | 23.00% | 24.46%-1.5pp | 28.19%-5.2pp | 81.02%-58.0pp |
| Employer contribution / active EE | $2,774 | $1,894+46.5% | $2,521+10.0% | $2,440+13.7% |
| Participant deferral / active EE | $3,479 | $3,270+6.4% | $4,049-14.1% | $3,608-3.6% |
| Admin fee / account holder | $11,632 | $5,055+130.1% | $7,491+55.3% | $5,124+127.0% |