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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 | $96,950 | $95,453+1.6% | $112,040-13.5% | $82,448+17.6% |
| Participation rate | 68.8% | 72.8%-4.0pp | 76.5%-7.7pp | 68.1%+0.7pp |
| Annual return | 13.68% | 23.92%-10.2pp | 24.52%-10.8pp | 41.64%-28.0pp |
| Employer contribution / active EE | $866 | $2,318-62.6% | $2,954-70.7% | $2,551-66.1% |
| Participant deferral / active EE | $3,909 | $4,224-7.4% | $5,098-23.3% | $4,139-5.6% |
| Admin fee / account holder | $5,592 | $9,013-38.0% | $12,098-53.8% | $7,234-22.7% |