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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 | $94,863 | $86,922+9.1% | $102,438-7.4% | $80,874+17.3% |
| Participation rate | 65.6% | 72.4%-6.8pp | 76.5%-10.9pp | 67.6%-2.0pp |
| Annual return | 11.52% | 18.90%-7.4pp | 29.37%-17.9pp | 35.62%-24.1pp |
| Employer contribution / active EE | $2,267 | $2,369-4.3% | $3,024-25.0% | $2,756-17.7% |
| Participant deferral / active EE | $4,601 | $4,119+11.7% | $5,054-9.0% | $4,297+7.1% |
| Admin fee / account holder | $774 | $8,050-90.4% | $9,448-91.8% | $6,935-88.8% |