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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 | $85,147 | $78,013+9.1% | $178,449-52.3% | $80,911+5.2% |
| Participation rate | 69.7% | 65.7%+4.0pp | 77.1%-7.4pp | 67.6%+2.0pp |
| Annual return | 14.28% | 18.07%-3.8pp | 27.09%-12.8pp | 35.63%-21.4pp |
| Employer contribution / active EE | $4,134 | $2,287+80.8% | $3,951+4.6% | $2,756+50.0% |
| Participant deferral / active EE | $10,398 | $4,408+135.9% | $6,277+65.7% | $4,297+142.0% |
| Admin fee / account holder | $2,994 | $7,166-58.2% | $10,362-71.1% | $6,935-56.8% |