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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 | $102,840 | $91,120+12.9% | $161,149-36.2% | $64,097+60.4% |
| Participation rate | 59.1% | 62.2%-3.1pp | 78.8%-19.7pp | 55.2%+3.9pp |
| Annual return | 15.83% | 17.95%-2.1pp | 21.16%-5.3pp | 34.64%-18.8pp |
| Employer contribution / active EE | $1,932 | $2,284-15.4% | $4,360-55.7% | $1,891+2.1% |
| Participant deferral / active EE | $4,192 | $3,708+13.0% | $6,153-31.9% | $3,080+36.1% |
| Admin fee / account holder | $2,139 | $4,535-52.8% | $15,194-85.9% | $3,454-38.1% |