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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 | $95,337 | $73,787+29.2% | $98,716-3.4% | $82,448+15.6% |
| Participation rate | 61.3% | 61.4%-0.2pp | 69.3%-8.0pp | 68.1%-6.8pp |
| Annual return | 13.19% | 18.57%-5.4pp | 31.81%-18.6pp | 41.64%-28.4pp |
| Employer contribution / active EE | $1,128 | $1,511-25.3% | $2,279-50.5% | $2,551-55.8% |
| Participant deferral / active EE | $4,367 | $3,081+41.7% | $4,048+7.9% | $4,139+5.5% |
| Admin fee / account holder | $15,515 | $6,500+138.7% | $8,703+78.3% | $7,234+114.5% |