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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 | $123,182 | $95,453+29.0% | $112,040+9.9% | $82,448+49.4% |
| Participation rate | 58.9% | 72.8%-13.9pp | 76.5%-17.6pp | 68.1%-9.2pp |
| Annual return | 13.44% | 23.92%-10.5pp | 24.52%-11.1pp | 41.64%-28.2pp |
| Employer contribution / active EE | $885 | $2,318-61.8% | $2,954-70.0% | $2,551-65.3% |
| Participant deferral / active EE | $4,381 | $4,224+3.7% | $5,098-14.1% | $4,139+5.8% |
| Admin fee / account holder | $8,313 | $9,013-7.8% | $12,098-31.3% | $7,234+14.9% |