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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 | $92,424 | $86,332+7.1% | $125,180-26.2% | $65,185+41.8% |
| Participation rate | 67.0% | 75.3%-8.3pp | 79.8%-12.8pp | 70.2%-3.2pp |
| Annual return | 20.83% | 27.43%-6.6pp | 43.79%-23.0pp | 29.38%-8.6pp |
| Employer contribution / active EE | $2,097 | $2,040+2.8% | $3,866-45.8% | $2,177-3.7% |
| Participant deferral / active EE | $4,462 | $3,537+26.1% | $4,937-9.6% | $3,514+27.0% |
| Admin fee / account holder | $2,183 | $609+258.4% | $9,703-77.5% | $847+157.7% |