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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 | $102,051 | $123,478-17.4% | $216,567-52.9% | $94,015+8.5% |
| Participation rate | 68.8% | 75.1%-6.4pp | 81.6%-12.9pp | 70.8%-2.1pp |
| Annual return | 12.65% | 23.61%-11.0pp | 12.94%-0.3pp | 17.84%-5.2pp |
| Employer contribution / active EE | $1,025 | $3,136-67.3% | $5,216-80.4% | $2,790-63.3% |
| Participant deferral / active EE | $3,556 | $4,556-21.9% | $6,191-42.6% | $4,249-16.3% |
| Admin fee / account holder | $6,101 | $12,753-52.2% | $21,981-72.2% | $8,951-31.8% |