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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 | $86,370 | $106,864-19.2% | $147,318-41.4% | $82,637+4.5% |
| Participation rate | 63.2% | 75.5%-12.3pp | 82.1%-18.9pp | 68.1%-4.9pp |
| Annual return | 26.45% | 27.49%-1.0pp | 70.43%-44.0pp | 53.51%-27.1pp |
| Employer contribution / active EE | $3,534 | $3,417+3.4% | $4,593-23.0% | $2,552+38.5% |
| Participant deferral / active EE | $6,980 | $6,496+7.5% | $7,906-11.7% | $4,126+69.2% |
| Admin fee / account holder | $5,440 | $8,415-35.4% | $13,708-60.3% | $7,339-25.9% |