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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 | $90,033 | $81,276+10.8% | $155,574-42.1% | $80,925+11.3% |
| Participation rate | 65.4% | 66.2%-0.9pp | 78.2%-12.8pp | 67.7%-2.3pp |
| Annual return | 10.96% | 33.36%-22.4pp | 64.87%-53.9pp | 35.65%-24.7pp |
| Employer contribution / active EE | $1,299 | $3,103-58.1% | $4,676-72.2% | $2,756-52.9% |
| Participant deferral / active EE | $3,566 | $3,453+3.3% | $5,629-36.7% | $4,299-17.0% |
| Admin fee / account holder | $979 | $7,993-87.7% | $15,914-93.8% | $6,940-85.9% |