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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 | $87,752 | $81,504+7.7% | $102,437-14.3% | $80,959+8.4% |
| Participation rate | 69.7% | 66.9%+2.8pp | 74.5%-4.8pp | 67.7%+2.0pp |
| Annual return | 16.01% | 25.60%-9.6pp | 24.95%-8.9pp | 35.67%-19.7pp |
| Employer contribution / active EE | $1,944 | $3,104-37.4% | $3,871-49.8% | $2,757-29.5% |
| Participant deferral / active EE | $1,763 | $3,871-54.4% | $5,060-65.1% | $4,300-59.0% |
| Admin fee / account holder | $11,117 | $6,719+65.5% | $8,388+32.5% | $6,925+60.5% |