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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 | $95,453-1.8% | $112,040-16.4% | $82,448+13.7% |
| Participation rate | 69.7% | 72.8%-3.1pp | 76.5%-6.8pp | 68.1%+1.6pp |
| Annual return | 13.52% | 23.92%-10.4pp | 24.52%-11.0pp | 41.64%-28.1pp |
| Employer contribution / active EE | $2,115 | $2,318-8.8% | $2,954-28.4% | $2,551-17.1% |
| Participant deferral / active EE | $5,197 | $4,224+23.0% | $5,098+2.0% | $4,139+25.6% |
| Admin fee / account holder | $15,560 | $9,013+72.6% | $12,098+28.6% | $7,234+115.1% |