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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 | $86,940+23.1% | $102,434+4.5% | $80,935+32.2% |
| Participation rate | 69.8% | 72.4%-2.6pp | 76.5%-6.7pp | 67.7%+2.2pp |
| Annual return | 10.83% | 18.89%-8.1pp | 29.46%-18.6pp | 35.66%-24.8pp |
| Employer contribution / active EE | $1,671 | $2,370-29.5% | $3,023-44.7% | $2,757-39.4% |
| Participant deferral / active EE | $4,126 | $4,121+0.1% | $5,055-18.4% | $4,299-4.0% |
| Admin fee / account holder | $3,162 | $8,047-60.7% | $9,462-66.6% | $6,924-54.3% |