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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 | $93,385 | $91,019+2.6% | $392,568-76.2% | $72,976+28.0% |
| Participation rate | 68.7% | 74.4%-5.7pp | 78.1%-9.4pp | 69.5%-0.8pp |
| Annual return | 25.97% | 20.00%+6.0pp | 24.42%+1.5pp | 81.02%-55.0pp |
| Employer contribution / active EE | $2,583 | $2,751-6.1% | $3,783-31.7% | $2,440+5.9% |
| Participant deferral / active EE | $4,782 | $4,570+4.6% | $5,985-20.1% | $3,608+32.5% |
| Admin fee / account holder | $1,518 | $4,895-69.0% | $6,260-75.7% | $5,124-70.4% |