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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 | $104,017 | $95,453+9.0% | $112,040-7.2% | $82,448+26.2% |
| Participation rate | 69.9% | 72.8%-2.9pp | 76.5%-6.6pp | 68.1%+1.8pp |
| Annual return | 14.88% | 23.92%-9.0pp | 24.52%-9.6pp | 41.64%-26.8pp |
| Employer contribution / active EE | $1,284 | $2,318-44.6% | $2,954-56.5% | $2,551-49.7% |
| Participant deferral / active EE | $4,501 | $4,224+6.6% | $5,098-11.7% | $4,139+8.7% |
| Admin fee / account holder | $2,370 | $9,013-73.7% | $12,098-80.4% | $7,234-67.2% |