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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 | $86,938+8.0% | $102,423-8.4% | $80,925+16.0% |
| Participation rate | 69.4% | 72.4%-3.0pp | 76.5%-7.1pp | 67.7%+1.7pp |
| Annual return | 15.37% | 18.89%-3.5pp | 29.42%-14.1pp | 35.65%-20.3pp |
| Employer contribution / active EE | $2,715 | $2,369+14.6% | $3,023-10.2% | $2,756-1.5% |
| Participant deferral / active EE | $8,738 | $4,120+112.1% | $5,054+72.9% | $4,299+103.3% |
| Admin fee / account holder | $6,228 | $8,053-22.7% | $9,455-34.1% | $6,940-10.3% |