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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 | $93,852 | $86,949+7.9% | $102,460-8.4% | $80,959+15.9% |
| Participation rate | 69.4% | 72.4%-3.0pp | 76.5%-7.1pp | 67.7%+1.7pp |
| Annual return | 15.37% | 18.89%-3.5pp | 29.47%-14.1pp | 35.67%-20.3pp |
| Employer contribution / active EE | $2,715 | $2,370+14.6% | $3,025-10.3% | $2,757-1.5% |
| Participant deferral / active EE | $8,738 | $4,121+112.0% | $5,056+72.8% | $4,300+103.2% |
| Admin fee / account holder | $6,228 | $8,048-22.6% | $9,460-34.2% | $6,925-10.1% |