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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 | $97,550+6.6% | $120,344-13.6% | $87,485+18.9% |
| Participation rate | 69.9% | 72.8%-2.9pp | 76.7%-6.8pp | 68.9%+0.9pp |
| Annual return | 14.88% | 18.41%-3.5pp | 20.30%-5.4pp | 26.06%-11.2pp |
| Employer contribution / active EE | $1,284 | $2,291-43.9% | $3,020-57.5% | $2,596-50.5% |
| Participant deferral / active EE | $4,501 | $4,230+6.4% | $5,135-12.3% | $4,274+5.3% |
| Admin fee / account holder | $2,370 | $9,543-75.2% | $12,742-81.4% | $7,775-69.5% |