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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 | $100,712 | $73,988+36.1% | $96,538+4.3% | $75,177+34.0% |
| Participation rate | 69.0% | 66.4%+2.6pp | 74.3%-5.3pp | 67.2%+1.8pp |
| Annual return | 22.58% | 26.73%-4.1pp | 35.74%-13.2pp | 160.75%-138.2pp |
| Employer contribution / active EE | $1,153 | $2,930-60.7% | $3,740-69.2% | $2,671-56.8% |
| Participant deferral / active EE | $3,312 | $3,660-9.5% | $4,880-32.1% | $4,126-19.7% |
| Admin fee / account holder | $9,678 | $5,220+85.4% | $6,737+43.7% | $5,651+71.3% |