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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 | $98,803 | $86,940+13.6% | $102,434-3.5% | $80,935+22.1% |
| Participation rate | 64.4% | 72.4%-8.0pp | 76.5%-12.1pp | 67.7%-3.3pp |
| Annual return | 12.83% | 18.89%-6.1pp | 29.46%-16.6pp | 35.66%-22.8pp |
| Employer contribution / active EE | $1,700 | $2,370-28.3% | $3,023-43.8% | $2,757-38.3% |
| Participant deferral / active EE | $2,403 | $4,121-41.7% | $5,055-52.5% | $4,299-44.1% |
| Admin fee / account holder | $15,094 | $8,047+87.6% | $9,462+59.5% | $6,924+118.0% |