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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 | $93,382 | $83,898+11.3% | $133,346-30.0% | $94,015-0.7% |
| Participation rate | 65.1% | 63.4%+1.8pp | 72.8%-7.7pp | 70.8%-5.7pp |
| Annual return | 17.12% | 16.00%+1.1pp | 36.85%-19.7pp | 17.84%-0.7pp |
| Employer contribution / active EE | $3,531 | $1,821+94.0% | $2,853+23.8% | $2,790+26.6% |
| Participant deferral / active EE | $2,947 | $3,245-9.2% | $4,332-32.0% | $4,249-30.7% |
| Admin fee / account holder | $7,725 | $7,809-1.1% | $14,264-45.8% | $8,951-13.7% |