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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 | $90,212 | $81,403+10.8% | $147,027-38.6% | $87,485+3.1% |
| Participation rate | 63.2% | 63.4%-0.3pp | 73.7%-10.6pp | 68.9%-5.8pp |
| Annual return | 11.62% | 16.51%-4.9pp | 20.23%-8.6pp | 26.06%-14.4pp |
| Employer contribution / active EE | $1,170 | $2,205-46.9% | $3,626-67.7% | $2,596-54.9% |
| Participant deferral / active EE | $3,682 | $3,315+11.1% | $4,933-25.4% | $4,274-13.8% |
| Admin fee / account holder | $2,640 | $6,755-60.9% | $12,223-78.4% | $7,775-66.0% |