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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 | $93,716 | $95,404-1.8% | $113,397-17.4% | $82,637+13.4% |
| Participation rate | 69.7% | 72.8%-3.1pp | 76.5%-6.8pp | 68.1%+1.6pp |
| Annual return | 13.52% | 19.08%-5.6pp | 23.20%-9.7pp | 53.51%-40.0pp |
| Employer contribution / active EE | $2,115 | $2,307-8.3% | $2,977-29.0% | $2,552-17.1% |
| Participant deferral / active EE | $5,197 | $4,220+23.2% | $5,076+2.4% | $4,126+26.0% |
| Admin fee / account holder | $15,560 | $9,168+69.7% | $11,957+30.1% | $7,339+112.0% |