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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 | $91,688 | $117,904-22.2% | $102,457-10.5% | $145,978-37.2% |
| Participation rate | 68.4% | 78.6%-10.2pp | 76.5%-8.1pp | 80.3%-11.9pp |
| Annual return | 13.99% | 31.80%-17.8pp | 29.41%-15.4pp | 550.52%-536.5pp |
| Employer contribution / active EE | $4,050 | $3,613+12.1% | $3,022+34.0% | $4,662-13.1% |
| Participant deferral / active EE | $7,954 | $5,733+38.7% | $5,054+57.4% | $6,690+18.9% |
| Admin fee / account holder | $10,673 | $13,329-19.9% | $9,451+12.9% | $13,400-20.3% |