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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 | $90,827 | $91,424-0.7% | $135,942-33.2% | $71,495+27.0% |
| Participation rate | 65.1% | 75.7%-10.6pp | 81.9%-16.8pp | 67.9%-2.8pp |
| Annual return | 25.21% | 29.90%-4.7pp | 68.28%-43.1pp | 28.85%-3.6pp |
| Employer contribution / active EE | $3,434 | $3,704-7.3% | $4,858-29.3% | $2,589+32.6% |
| Participant deferral / active EE | $8,158 | $7,092+15.0% | $7,759+5.1% | $4,291+90.1% |
| Admin fee / account holder | $2,845 | $1,266+124.7% | $10,764-73.6% | $1,588+79.2% |