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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 | $97,462 | $86,949+12.1% | $102,460-4.9% | $80,959+20.4% |
| Participation rate | 65.8% | 72.4%-6.6pp | 76.5%-10.7pp | 67.7%-1.9pp |
| Annual return | 13.70% | 18.89%-5.2pp | 29.47%-15.8pp | 35.67%-22.0pp |
| Employer contribution / active EE | $759 | $2,370-68.0% | $3,025-74.9% | $2,757-72.5% |
| Participant deferral / active EE | $5,013 | $4,121+21.7% | $5,056-0.8% | $4,300+16.6% |
| Admin fee / account holder | $11,384 | $8,048+41.5% | $9,460+20.3% | $6,925+64.4% |