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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 | $107,008 | $86,922+23.1% | $102,438+4.5% | $80,874+32.3% |
| Participation rate | 69.8% | 72.4%-2.6pp | 76.5%-6.7pp | 67.6%+2.2pp |
| Annual return | 10.83% | 18.90%-8.1pp | 29.37%-18.5pp | 35.62%-24.8pp |
| Employer contribution / active EE | $1,671 | $2,369-29.5% | $3,024-44.7% | $2,756-39.4% |
| Participant deferral / active EE | $4,126 | $4,119+0.2% | $5,054-18.3% | $4,297-4.0% |
| Admin fee / account holder | $3,162 | $8,050-60.7% | $9,448-66.5% | $6,935-54.4% |