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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 | $105,744 | $86,949+21.6% | $102,460+3.2% | $80,959+30.6% |
| Participation rate | 67.2% | 72.4%-5.2pp | 76.5%-9.3pp | 67.7%-0.5pp |
| Annual return | 11.22% | 18.89%-7.7pp | 29.47%-18.3pp | 35.67%-24.5pp |
| Employer contribution / active EE | $1,022 | $2,370-56.9% | $3,025-66.2% | $2,757-62.9% |
| Participant deferral / active EE | $4,464 | $4,121+8.3% | $5,056-11.7% | $4,300+3.8% |
| Admin fee / account holder | $12,268 | $8,048+52.4% | $9,460+29.7% | $6,925+77.1% |