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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 | $64,517+57.7% | $81,438+24.9% | $80,874+25.8% |
| Participation rate | 67.9% | 63.9%+3.9pp | 69.5%-1.7pp | 67.6%+0.2pp |
| Annual return | 13.03% | 16.35%-3.3pp | 24.74%-11.7pp | 35.62%-22.6pp |
| Employer contribution / active EE | $1,700 | $1,982-14.2% | $2,460-30.9% | $2,756-38.3% |
| Participant deferral / active EE | $3,494 | $3,096+12.9% | $3,883-10.0% | $4,297-18.7% |
| Admin fee / account holder | $11,891 | $5,677+109.5% | $5,764+106.3% | $6,935+71.5% |