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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 | $90,352 | $81,504+10.9% | $102,437-11.8% | $80,959+11.6% |
| Participation rate | 63.8% | 66.9%-3.1pp | 74.5%-10.7pp | 67.7%-3.9pp |
| Annual return | 11.29% | 25.60%-14.3pp | 24.95%-13.7pp | 35.67%-24.4pp |
| Employer contribution / active EE | $2,144 | $3,104-30.9% | $3,871-44.6% | $2,757-22.2% |
| Participant deferral / active EE | $4,558 | $3,871+17.7% | $5,060-9.9% | $4,300+6.0% |
| Admin fee / account holder | $27,611 | $6,719+310.9% | $8,388+229.2% | $6,925+298.7% |