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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 | $97,427 | $110,137-11.5% | $161,149-39.5% | $82,637+17.9% |
| Participation rate | 64.0% | 72.4%-8.4pp | 78.8%-14.8pp | 68.1%-4.1pp |
| Annual return | 16.32% | 20.69%-4.4pp | 21.16%-4.8pp | 53.51%-37.2pp |
| Employer contribution / active EE | $1,642 | $2,856-42.5% | $4,360-62.3% | $2,552-35.7% |
| Participant deferral / active EE | $6,568 | $4,575+43.6% | $6,153+6.7% | $4,126+59.2% |
| Admin fee / account holder | $6,364 | $9,467-32.8% | $15,194-58.1% | $7,339-13.3% |