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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 | $114,712-11.0% | $173,730-41.3% | $87,485+16.7% |
| Participation rate | 68.8% | 73.0%-4.2pp | 79.6%-10.8pp | 68.9%-0.2pp |
| Annual return | 12.65% | 20.18%-7.5pp | 19.96%-7.3pp | 26.06%-13.4pp |
| Employer contribution / active EE | $1,025 | $2,904-64.7% | $4,577-77.6% | $2,596-60.5% |
| Participant deferral / active EE | $3,556 | $4,642-23.4% | $6,326-43.8% | $4,274-16.8% |
| Admin fee / account holder | $6,101 | $10,210-40.2% | $17,523-65.2% | $7,775-21.5% |