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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 | $101,719 | $63,845+59.3% | $81,370+25.0% | $80,959+25.6% |
| Participation rate | 67.9% | 63.9%+4.0pp | 69.5%-1.7pp | 67.7%+0.2pp |
| Annual return | 13.03% | 16.37%-3.3pp | 24.85%-11.8pp | 35.67%-22.6pp |
| Employer contribution / active EE | $1,700 | $1,980-14.1% | $2,464-31.0% | $2,757-38.3% |
| Participant deferral / active EE | $3,494 | $3,093+13.0% | $3,885-10.1% | $4,300-18.8% |
| Admin fee / account holder | $11,891 | $5,688+109.0% | $5,749+106.8% | $6,925+71.7% |