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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 | $120,796 | $115,225+4.8% | $100,712+19.9% | $138,895-13.0% |
| Participation rate | 63.6% | 74.3%-10.7pp | 69.3%-5.6pp | 79.9%-16.3pp |
| Annual return | 14.46% | 40.35%-25.9pp | 33.27%-18.8pp | 145.39%-130.9pp |
| Employer contribution / active EE | $1,484 | $2,771-46.5% | $2,313-35.9% | $4,194-64.6% |
| Participant deferral / active EE | $4,303 | $4,699-8.4% | $4,085+5.3% | $6,396-32.7% |
| Admin fee / account holder | $5,621 | $10,844-48.2% | $9,256-39.3% | $12,562-55.3% |