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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 | $89,664 | $93,345-3.9% | $119,126-24.7% | $87,485+2.5% |
| Participation rate | 67.5% | 68.7%-1.3pp | 75.8%-8.3pp | 68.9%-1.5pp |
| Annual return | 20.28% | 19.08%+1.2pp | 282.11%-261.8pp | 26.06%-5.8pp |
| Employer contribution / active EE | $3,117 | $3,172-1.7% | $4,034-22.7% | $2,596+20.1% |
| Participant deferral / active EE | $5,464 | $4,099+33.3% | $5,318+2.7% | $4,274+27.9% |
| Admin fee / account holder | $2,254 | $8,039-72.0% | $10,693-78.9% | $7,775-71.0% |