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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 | $97,866 | $94,439+3.6% | $73,658+32.9% | $154,746-36.8% |
| Participation rate | 62.5% | 64.7%-2.2pp | 57.0%+5.5pp | 80.7%-18.2pp |
| Annual return | 24.98% | 28.25%-3.3pp | 29.72%-4.7pp | 172.34%-147.4pp |
| Employer contribution / active EE | $1,174 | $1,257-6.6% | $1,032+13.7% | $4,379-73.2% |
| Participant deferral / active EE | $2,258 | $2,527-10.7% | $2,062+9.5% | $6,730-66.5% |
| Admin fee / account holder | $1,527 | $3,843-60.3% | $3,357-54.5% | $14,365-89.4% |