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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 | $110,922 | $101,795+9.0% | $165,100-32.8% | $80,959+37.0% |
| Participation rate | 67.6% | 71.8%-4.2pp | 78.6%-11.0pp | 67.7%-0.1pp |
| Annual return | 13.65% | 16.73%-3.1pp | 70.21%-56.6pp | 35.67%-22.0pp |
| Employer contribution / active EE | $1,840 | $2,954-37.7% | $4,348-57.7% | $2,757-33.3% |
| Participant deferral / active EE | $4,681 | $4,476+4.6% | $6,035-22.4% | $4,300+8.9% |
| Admin fee / account holder | $3,951 | $8,221-51.9% | $12,696-68.9% | $6,925-43.0% |