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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 | $106,909 | $101,798+5.0% | $165,071-35.2% | $80,935+32.1% |
| Participation rate | 69.0% | 71.8%-2.9pp | 78.6%-9.7pp | 67.7%+1.3pp |
| Annual return | 12.90% | 16.73%-3.8pp | 70.17%-57.3pp | 35.66%-22.8pp |
| Employer contribution / active EE | $1,947 | $2,954-34.1% | $4,347-55.2% | $2,757-29.4% |
| Participant deferral / active EE | $3,378 | $4,476-24.5% | $6,035-44.0% | $4,299-21.4% |
| Admin fee / account holder | $1,867 | $8,221-77.3% | $12,695-85.3% | $6,924-73.0% |